Latrobe Health Services
Healthy Start (Basic)
Latrobe Health Services
How $112.21 is worked out
- Premium as filed - $147.88 a month (hospital share $121.90)
- Government rebate - 24.1% of the premium (never of the loading): -$35.67
- A month - $112.21
Go to insurer no commission on this policy
Hospital: what is covered
Covered (0)
Restricted (38)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Not covered (0)
None.
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
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $30.50; Scale and clean (item 114): $57.60; Fluoride treatment (item 121): $23.20 | $500 per policy a year |
| Major dental | 12 months | Crown (item 615): $0.00 | Accident only cover, $250 per accident, maximum $500 per person, membership limit is $2000. Combined with General Dental. |
| Glasses and contact lenses | 6 months | Single vision glasses: $150.00; Multifocal glasses: $150.00 | $150 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $25.00 | $250 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $250 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $26.00; Follow-up visit: $26.00 | $250 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per policy a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $25.00 | $250 per policy a year (shared with other services) |
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 Tasmania
Latrobe Health Services has agreements with 12 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Devonport Eye Hospital - Devonport (day hospital)
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- North Tas Day Hospital - Launceston (day hospital)
- North West Private Hospital (Tas) - Burnie
- Specialist Care Australia Launceston - Launceston (day hospital)
- Specialist Care Australia Ulverstone - Ulverstone (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
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/TBYR10, filed by Latrobe Health Services, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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