Latrobe Health Services
Core Essential Extras
Latrobe Health Services
How $47.52 is worked out
- Premium as filed - $62.62 a month
- Government rebate - 24.1% of the premium (never of the loading): -$15.10
- A month - $47.52
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): $36.00; Tooth extraction (item 322): 50% back | $375 per person a year (shared with other services) |
| Root canal | 2 months | Root canal (item 417): 50% back | $375 per person a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: $175.00; Multifocal glasses: $175.00 | $175 per person a year |
| Physiotherapy | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $200 per person a year |
| Acupuncture | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
Not covered: Major dental, Braces, Prescriptions not on the PBS, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* Periodic Oral Examination - 1 free up to $60, Scale and clean - 1 free up to $120, Fluoride Treatment - 2 free up to $36.
Other services, as filed: Periodic Oral Examination - $60 for 1 service, 50% for additional services. Scale and clean - $120 for 1 service, 50% for additional services. Fluoride Treatment - $36 for 2 services, limit 2 services per person per year. A benefit is also payable for myotherapy, health appliances & aids such as crutches, knee braces, splints, cam boot and a 50% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. When this extras cover is coupled with a hospital cover a benefit bonus will also accumulate.
When combined with hospital, also includes a Benefit Bonus of $50 each year per person capped at $100 per membership, accruing up to $250 per person capped at $500 per membership. For Couple and Family memberships, each person may only claim up to 50% of the accrued benefit bonus in any one year. Benefit Bonus limits refresh each year on join anniversary. If unused, benefit bonus rolls over up to a maximum of 5 years' benefit ($250 per person capped at $500 per membership)
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
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 I16/NBKK1Y, 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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