Why health cover?

Why health cover?

Find out how private health cover can benefit you.

Don't sweat the small stuff. Expect the unexpected.
Take out private health insurance with Latrobe
and take control of your health and future.


You may be asking “Why should I pay for health cover? I am healthy, active and have never been ill!”. That may be so but, no matter how active and healthy you are, accidents do happen and can cost you dearly, financially and physically.


Latrobe's quality range of hospital covers and extras covers allow you the freedom to:

  • Choose a hospital
  • Choose a doctor
  • Choose when to be treated
  • Choose a level of cover that suits you and your active lifestyle.



There are a range of Government initiatives that you should know about...


Medicare Levy Surcharge
Over a certain level of income you may pay this extra tax. Avoid paying this by joining appropriate hospital cover. Find out more.

Australian Government Rebate
Depending on your income level the Australian Government Rebate on private health insurance may make health cover more affordable by subsidising your contributions. Find out more.

Lifetime Health Cover
If you're over 30 and have no hospital cover you may have to pay more. Avoid paying or reduce the amount you pay by taking hospital cover. Find out more

Waiting periods apply for all new members, members transferring from another health fund to a higher level of cover and for existing members who upgrade their level of cover. Please read the terms and conditions of membership for more information on waiting periods, benefit limits, exclusions, restricted benefits and benefit limitation periods.


Some facts about claims

During the 2016 financial year, Latrobe paid benefits on behalf of its members covering:

  • 37,778 hospital episodes (an increase of 6.7%) totalling 105,522 bed days (an increase of 6.3%) at a cost of $93.8 million (an increase of 9.8%).
  • 339,620 in-hospital medical services (an increase of 6.8%) totalling $15.7 million (an increase of 8.1%).
  • 25,620 surgically implanted prosthetic devices (an increase of 6%) totalling $21.6 million (an increase of 4.2%).
  • 237,986 dental and other general treatment services (a decrease of 2.5%) totalling $9.2 million (a decrease of 3.4%).

During the 2016 financial year, Latrobe’s 10 highest individual claims ranged from $96,482 to a high of $219,058. Of the 10 highest claims for the year, 7 were in excess of $100,000.

Of these claims, 4 involved multiple treatment for cardiac conditions, 3 involved spinal fusion, and 3 involved complex medical conditions with a number of co-morbidities. The age of members involved in these treatments ranged from 68 to 82 years.