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 cover with Latrobe
and take control of your health and future.

You may be asking yourself “Why should I pay for health cover? I am healthy, active and have never been ill”.

Being young and fit doesn’t mean you’re invincible.
Despite all the preparation and cautionary measures taken, accidents may still occur.

e offer an extensive range of quality hospital and extras covers to suit your lifestyle and budget.
Take control of your health! Call Latrobe today so we can assist you, or take advantage of our 24/7 online joining option. 



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

Some facts about claims

During the 2017 financial year, Latrobe paid benefits on behalf of its members covering:

  • 41,452 hospital episodes (an increase of 9.7%) totalling 113,496 bed days (an increase of 7.6%) at a cost of $106.3 million (an increase of 13.3%).
  • 362,936 in-hospital medical services (an increase of 6.9%) totalling $16.5 million (an increase of 5.0%).
  • 29,914 surgically implanted prosthetic devices (an increase of 6.8%) totalling $25.1 million (an increase of 6.2%).
  • 236,050 dental and other general treatment services (a decrease of 0.8%) totalling $9.1 million (a decrease of 1.3%).

During the 2017 financial year, Latrobe’s 10 highest individual claims ranged from $106,055 to a high of $225,809. The age of members involved in these treatments ranged from 59 to 85 years.


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.