Basic Plus Top Hospital
A Basic Plus hospital policy from Latrobe Health Services.
- Only sold with particular other policies.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Latrobe Health Services files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Basic hospital policy in NT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Basic69 policies$70.5647th cheapest of 69
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| VIC | $134.07 | $268.14 | $281.55 | $201.11 | $348.58 | $241.33 |
| QLD | $137.60 | $275.20 | $288.96 | $206.40 | $357.76 | $247.68 |
| SA | $127.01 | $254.03 | $266.73 | $190.52 | $330.24 | $228.62 |
| WA | $102.32 | $204.63 | $214.86 | $153.47 | $266.02 | $184.17 |
| TAS | $129.37 | $258.73 | $271.67 | $194.05 | $336.35 | $232.86 |
| NT | $70.56 | $141.13 | $148.18 | $105.84 | $183.46 | $127.01 |
12 of 38 clinical categories covered in full, 3 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full12
- Restricted3
- Not covered23
Covered 12
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 23
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted. No excess for accidents or dependants.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Each person only pays the excess once per calendar year. Families pay only two excesses per calendar year. Additional medical gap benefits are payable on this policy. This product includes Supported Discharge, Hospital Substitute and Chronic Disease Management Programs - see latrobehealth.com.au for more information.
Compare
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.