Combined cover, that is hospital and extras private health insurance, allows you to mix and match different levels of hospital and extras cover so that you can come up with the product that suits you best.  

Extras cover with Latrobe Health 

Latrobe Health has a range of great extras cover from the basics right through to our premier products. We recently won three awards for our extras products, including 


Browse our range of extras here!


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Why should you consider combined cover? 

Adding hospital cover with your extras means that you are covered for both types of health scenarios - you've got extras cover for everyday things like dental, optical, and physio, and cover for when you need to go to the hospital. 

Our members say that they take our combined health cover for different reasons including: 

  • Getting cover for ‘just in case you end up in the hospital and want to have choice of doctor and hospital setting 
  • Avoid long waiting in the public health system
  • Choosing a cover for a specific upcoming procedure 
  • Avoiding the Medicare Levy Surcharge  
  • Reducing Lifetime Health Cover Loading 

Hospital cover gives you access to a wide range of hospital services including surgeries, specialist consultations, and emergency care. Whether it's planned procedures or unexpected medical emergencies, having private hospital cover now ensures timely access to high-quality healthcare without long waiting periods. 

If you earn over $93,000 as a single or $186,000 as a couple, you could be paying more for the Medicare Levy Surcharge. The Medicare Levy Surcharge is an extra tax paid by Australian taxpayers who do not have an appropriate level of private hospital cover and are considered by the Australian Government to be high income earners. The surcharge varies depending on your taxable income and is in addition to the Medicare Levy, which is paid by most Australian taxpayers. Extras cover without an appropriate hospital cover will not provide an exemption to the surcharge. 

Taking out private hospital cover early in life can help you avoid Lifetime Health Cover (LHC) loading. The LHC loading is an additional premium applied to your private health insurance premiums if you don't have hospital cover by the age of 31. By securing hospital + extras private health insurance before this age, you can potentially save on future premiums, making it a smart long-term financial decision. 

Get a quote with Latrobe to gain peace of mind, timely access to quality healthcare, and coverage for a range of essential services. Make an informed decision today and prioritise your health by choosing hospital + extras private health insurance with Latrobe Health Services.  


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