La Trobe University Excess Refund The La Trobe University Health Plan provides members with a range of hospital and extras products to provide health cover protection for all life stages... from young singles through to couples, families and sole parents. Below is a summary of options available from the La Trobe University Health Plan. Under the La Trobe University Health Plan the Hospital excess of $250 is fully refunded to you by the University in the event of a hospital admission. See How the Plan Works for more information. If you are unsure about which option might best suit your particular needs, the Plan’s health insurance advisors Health Link can review your situation and provide you with a personal recommendation – free of cost and without obligation.

Combined Hospital and Extras

Hospital Advanced Savings & General Extras Plus Hospital excess - $250 per admission - refunded to you by La Trobe University. Great for young singles and couples who want protection at a low cost by having limited cover for a number of hospital procedures they are less likely to need - such as obstetrics/IVF, hip replacement and cataract surgery.  General Extras Plus provides cover for the most common services such as general dental, optical, physiotherapy, acupuncture, remedial massage, chiropractic, pharmaceutical and more. Members of this option have free access to HCF's 'My Health Guardian' program - to help you manage and improve your health. This combined option also includes 100% emergency ambulance cover and up to $5,000 per person per calendar year for non-emergency ambulance services. The normal 2 & 6 month waiting periods won't apply when hospital & extras are combined together.

	Family/Couple	Single	Single Parent
Fortnightly Premium	$73.75	$36.85	$69.80

Download a PDF Fact Sheet and Application Form

Find a HCF Participating Private Hospital

Hospital Advanced Savings & Multicover Extras Hospital excess - $250 per admission - refunded to you by La Trobe University. This combined option is designed for young singles and couples who want low cost hospital cover and a higher level of extras cover.  This is achieved by having a hospital cover with limited benefits for several hospital procedures they are less likely to need - such as obstetrics/IVF, hip replacement and cataract surgery and combining that policy with the premium extras policy, Multicover.  Members of this option have free access to HCF's 'My Health Guardian' program - to help you manage and improve your health. Multicover offers generous benefit limits for an extensive range of health care services such as dental, optical, physiotherapy plus a range of natural therapies and other services – over $8,000 worth. This package also includes 100% emergency ambulance cover and up to $5,000 per person per calendar year for non-emergency ambulance services. If you haven't had cover before, the normal 2 & 6 month waiting periods won't apply when you join this combined cover.

	Family/Couple		Single	Single Parent
Fortnightly Premium	$89.55		$44.75	$82.50

Download a PDF Fact Sheet and Application Form

Find a HCF Participating Private Hospital

Top Plus & Multicover Extras Hospital excess - $250 per admission - refunded to you by La Trobe University. Top Plus is a premium hospital cover and provides cover for the widest range of services in HCF Participating Private and Public Hospitals, ensuring maximum protection and peace of mind.  Combined with Multicover Extras, the package offers generous benefit limits for an extensive range of essential health care services such as dental, optical, physiotherapy plus a range of natural therapies and other services – over $8,000 worth. This package also includes 100% emergency ambulance cover and up to $5,000 per person per calendar year for non-emergency ambulance services. Members of this option have free access to HCF's 'My Health Guardian' program - to help you manage and improve your health. The normal 2 & 6 month waiting periods won't apply when hospital and extras are combined together.

	Family/Couple	Single	Single Parent
Fortnightly Premium	$118.95	$59.45	$95.40

Download a PDF Fact Sheet and Application Form

Find a HCF Participating Private Hospital

Top Plus & Super Multicover Extras Hospital excess - $250 per admission - refunded to you by La Trobe University. Top Plus is a premium hospital cover and provides cover for the widest range of services in HCF Participating Private and Public Hospitals, ensuring maximum protection and peace of mind.  Super Multicover Extras provides generous benefits and annual limits for an extensive range of health care services such as dental, optical, physiotherapy plus a range of natural therapies and other services/appliances – over $10,000 worth. This combined package also includes 100% emergency ambulance cover and up to $5,000 per person per calendar year for non-emergency ambulance services.  Members of this option have free access to HCF's 'My Health Guardian' program - to help you manage and improve your health. The normal 2 & 6 month waiting periods won't apply when hospital and extras are combined together.

	Family/Couple	Single	Single Parent
Fortnightly Premium	$133.25	$66.60	$106.80

Download a PDF Fact Sheet and Application Form

Find a HCF Participating Private Hospital

 

 

Hospital only

Hospital Advanced Savings Hospital excess - $250 per admission - refunded to you by La Trobe University. Great for young singles and couples who want protection at a low cost by having limited cover for a number of hospital procedures they are less likely to need - such as obstetrics/IVF, hip replacement and cataract surgery.  Members of this option have free access to HCF's 'My Health Guardian' program - to help you manage and improve your health.

	Family/Couple	Single	Single Parent
Fortnightly Premium	$54.30	$21.15	$54.30

Download a PDF Fact Sheet and Application Form

Find a HCF Participating Private Hospital

Top Plus Hospital Hospital excess - $250 per admission - refunded to you by La Trobe University. Top Plus is a premium hospital cover and provides cover for the widest range of services in HCF Participating Private and Public Hospitals, ensuring maximum protection and peace of mind. Members of this option have free access to HCF's 'My Health Guardian' program - to help you manage and improve your health.

	Family/Couple	Single	Single Parent
Fortnightly Premium	$83.70	$41.85	$67.20

Download a PDF Fact Sheet and Application Form

Find a HCF Participating Private Hospital

 

Extras

Multicover Only Multicover offers generous benefit limits for an extensive range of essential health care services such as dental, optical, physiotherapy plus a range of natural therapies and other services – over $8,000 worth.  This option also includes 100% emergency ambulance cover and up to $5,000 per person per calendar year for non-emergency ambulance services.

	Family/Couple	Single	Single Parent
Fortnightly Premium	$43.95	$21.95	$35.10

Download a PDF Fact Sheet and Application Form

 

Important Note: All premiums above are for Victorian residents, are base rates and include the 30% Federal Government Rebate for members under age 65 years. The base rate is the standard premium for hospital cover without any Lifetime Health Cover loading.   For further information contact the La Trobe University Health Plan advisers, Health Link Consultants on (03) 9670 5555 or 1800 808 026. All premiums are effective as of the 1st of March 2009.