Why has Latrobe Health sent me a Private Health Information Statement with my premium review?

Your premium letter or email will include your Private Health Insurance Statement (PHIS) as it is a Federal Government requirement that every year we send you a copy. The PHIS outlines your cover with a list of what is and is not covered as well as your waiting periods and limits for the year.

The premiums shown on the PHIS may be different to the premiums you pay, as your PHIS shows the standard premium amount. It does not include any government rebate, Lifetime Health Cover loading and age-based discounts, all of which affect the price you pay.  

For those who have an Ambulance Victoria membership as part of your cover, the PHIS also excludes this amount if this applies to you, the product code at the top of this letter will include an “A”.

For more information on the age-based discount, Lifetime Health Cover loading and/or the Australian Government Private Health Insurance Rebate, head privatehealth.gov.au.