What happens if I lose my job and can't afford to continue cover?

To cover small gaps, you are able to be without hospital cover for periods totalling 1094 days (ie three years less one day) during your lifetime, without affecting your loading.

If you have a gap of 1095 days you will pay a 2% loading. For every 365 days without cover after that, your loading will increase by 2%. If you apply to Latrobe to suspend your cover for a short period, and we agree to this, this period of suspension does not affect your LHC loading (you are considered to be maintaining your cover).