Healthy Start (Basic)

Hospital: what is covered

Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.

Excess, waiting periods and hospital

• Tier - Basic Plus
• Hospital - Public hospital
• Excess - No excess.
• Co-payments - None.
• Known gap - Yes, with the fund's doctors
• Age-based discount - Not offered
• Accident cover - Yes
• Travel and accommodation benefits - No

Waiting periods

• Most treatments - 2 months
• Existing conditions - 12 months
• Pregnancy and birth - 12 months
• Rehabilitation, psychiatric and palliative care - 2 months

As filed by the insurer: Benefits are payable for a shared or single room in any public hospital. Availability of single rooms in public hospitals cannot be guaranteed. If you elect to be admitted to a private room in a public hospital, we will pay a benefit equal to the Department of Health’s shared ward accommodation rate in a public hospital plus an additional amount of up to $80.00, and you may incur an out-of-pocket expense. Additional medical gap benefits are payable on this table.

Extras: what you get back

Not covered: Root canal, Braces, Psychology, Acupuncture, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy.

Other services, as filed: A benefit is also payable for a 50% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. Vaccinations are for travel vaccines and must be approved by Latrobe.

Ambulance

Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.

Agreement hospitals in New South Wales

Latrobe Health Services has agreements with 168 private hospitals here, as filed with the Ombudsman.

This policy's other options

Every state, household and excess the insurer filed for this policy, with the premium before the rebate.

Member retention (hospital cover)

74.6% is the Commonwealth Ombudsman's figure for Latrobe in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).

The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).

It is shown as published. The list is not sorted, filtered or ranked by it.

Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.

Where this comes from

Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J1/DBYI20, filed by Latrobe Health Services, issued 1 Apr 2026.