Hospital

Hospital cover helps with the costs of treatment as a private patient in hospital. If you have private hospital cover, you can choose to be treated as a private patient in a public hospital, private hospital or day hospital facility.

 

Please Note: Price quoted is for Single cover, and includes an excess of $750 with an Australian Government Rebate of 24.608% with a 0% Lifetime Health Cover Loading.  Rates may vary based on the state or territory you live in.

Choose from our range of Hospital cover

Healthy Start

Bronze

Bronze Plus

Silver

Silver Plus

From

$24.49*

per week

Includes:

  • ✓ Restricted cover for clinical categories
  • ✓ Cover for shared or private room in a Participating Private Hospital for treatment of injuries directly relating to an accident.
  •  
  •  

View cover

From

$25.66*

per week

Includes:

  • ✓ Gastrointestinal endoscopy
  • ✓ Chemotherapy
  • ✓ Bones, joins and muscle
  • ✓ Joint reconstruction
  •  

 

View cover

From

$27.69*

per week

Includes:

  • ✓ Everything covered by Bronze, as well as
  • ✓ Dental surgery
  • ✓ Lung and chest
  • ✓ Blood

 

View cover

From

$34.65*

per week

Includes:

  • ✓ Everything covered by Bronze Plus, as well as
  • ✓ Heart & vascular system
  • ✓ Back, neck and spine
  • ✓ Implantation of hearing devices

 

View cover

From

$46.10*

per week

Includes:

  • ✓ Everything covered by Silver, as well as
  • ✓ Cataracts
  • ✓ Joint replacements
  • ✓ Rehabilitation

 

View cover

Get Quote Get Quote Get Quote Get Quote Get Quote

Common Questions?

Things to consider when choosing a Hospital cover that's right for you..

Toggle Item

What does Hospital insurance cover?

Private health insurance with hospital cover allows you to be treated in a private hospital. Latrobe will cover your hospital costs and either some or all of any medical costs not covered by Medicare.

Depending on the hospital cover you take out, cover will include some or all of:

  • hospital accommodation costs (including meals)
  • theatre costs

You may be charged with an excess fee when you make your claim. This fee varies depending on your particular health insurance plan. 

Toggle Item

What does Hospital insurance NOT cover?

You are not covered for any non-medically necessary procedures. For example, you are not covered for cosmetic surgery. However, you are covered for plastic surgery, reconstructive surgery, or any elective surgery that your doctor and Medicare deem to be medically necessary

Toggle Item

What are Restrictions and Exclusions?

Restrictions

Restrictions are services that a plan partly covers.

For example, if your policy restricts hip replacement:

  • you’re covered as a private patient in a public hospital
  • you’re partly covered as a private patient in a private hospital — this means your health insurer will only pay a small part of your hospital accommodation fees and you’ll have to pay for all other costs

Exclusions

Exclusions are services that a policy doesn’t cover. This means your health insurer will not pay for any of the costs of the service.

For example, some policies don’t cover services like:

  • heart surgery
  • knee and hip replacements
  • cataract surgery
  • pregnancy and birth-related services