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La Trobe University has arranged with Health Link Consultants to offer you health insurance with HCF, one of Australia's leading not-for-profit health insurers.
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Savings on health insurance for La Trobe employees
As a La Trobe employee, you will receive significantly lower premiums on your health insurance. Plus, your payments can be conveniently deducted from your pay each fortnight.
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A refundable excess
With each of HCF's Hospital products, most people usually pay an excess of $250 per calendar year.
With HCF the excess is waived for same day procedures, admissions resulting from an accident, and hospital admissions for children. Saving you money.
La Trobe is also helping you save. It has set up a fund, known as the Excess Refund Pool, to pay this excess for you.
How the La Trobe Excess Refund Pool works
If you or your partner are admitted into hospital, you pay the excess at the time you are admitted. To receive your refund from La Trobe, you then submit a completed La Trobe claim form to HR, along with your receipt and a photocopy of your HCF membership card. HR will then credit your nominated payroll bank account with the excess reimbursement. It's as simple as that.
Further financial protection with HCF's Medical Trauma Insurance
You can also choose to extend HCF health cover with HCF's Medical Trauma Insurance.
It is a low-cost way of arranging tax-free lump-sum benefits of either $20,000 or $40,000 in the event of an illness such as cancer, a heart attack or stroke. Click here for product details.
Print Application Form.
More protection options - cover the unexpected
HCF's More Protection options give you peace of mind for as little as 60c a week. Full details of the choice of benefits are described in HCF's Product Disclosure Statement. No medicals are required.
More Protection options include:
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Kids Accident Cover - only $3.90 per child per month.
Accident Cash Advantage - only $3.90 for singles and $7.80 for families per month.
Health and Life Premium Insurance - only $2.60 per person per month.
Cash Back Cover - only $4.30 for singles and $8.65 for families per month.
Permanent Disability Plus - only $4.30 for singles and $8.65 for families per month.
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These products complement your HCF Hospital and Extras cover. Contact Health Link Consultants on 1800 808 026 or advice@health-link.com.au for a Product Disclosure Statement and application form.
Key features summary
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Save on premiums and receive a refund for HCF's Hospital excess. Receive immediate cover on most services. On joining HCF, if you take out a Hospital and Extras cover, you receive immediate cover on all services usually requiring 2-6 months waiting periods. This includes hospital, general dental, physiotherapy and chiropractic services. This waiver does not apply to waiting periods of more than 6 months, including 12 months for obstetric services, major dental or pre-existing ailments or conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this offer. Receive full continuity of cover if you transfer to HCF from another registered private health insurer at an equivalent level of cover, including orthodontics. Have your premiums conveniently deducted automatically from your pay. Receive the federal government 30% rebate on private health insurance which further reduces your premiums from the day you join (35% for members aged 65-69, 40% for those aged 70 and over). Save on tax - no Medicare levy surcharge. If you're earning more than $73,000 per annum as a single (or over $146,000 as a family/couple) and don't have health insurance, you're charged an additional 1% on top of the current 1.5% government Medicare levy surcharge. So save on tax by taking out HCF Hospital cover today. Avoid Lifetime Health Cover penalties (by joining by the age of 31). From 1 July following your 31st birthday, a person pays 2% more each year they are without Hospital cover (whether single or on behalf of a family). Receive 100% Ambulance Cover Australia-wide included in all HCF Hospital covers (State Government services only), excluding Queensland and Tasmania. Queensland and Tasmanian residents are covered under their state ambulance schemes. If you cease employment with La Trobe your HCF benefits and premiums will remain unchanged although will no longer receive a hospital excess refund.
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The savings to you
La Trobe's Excess Refund Pool will pay for your hospital excess if you go to hospital and need to make a claim. This means additional savings on your premium as you are able to take a package containing any of our Hospital cover options with an excess, but in effect you'll be paying for a nil excess Hospital product because of the Excess Refund Pool arrangement.
With our premium Top Plus Hospital product, this means that your total premium saving equates to 12.2% - see below. You'll also make savings through the Excess Subsidy with our Hospital Savings and Hospital Advanced Savings products.
Your choice of
Hospital cover |
Base premium
nil excess |
Premiums
$250 Excess
Monthly rates |
Excess Refund Pool
(Reimbursed at La Trobe) |
% Saving from base premium |
| Top Plus |
206.55 |
181.35 |
$250 excess per adult per calendar year |
12.2%
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Based on monthly VIC family rates, excluding lifetime health cover and including the 30% government rebate.
Why HCF is different from other funds
HCF is different from other funds. It is not-for-profit, which means it returns more in benefits to members, not shareholders.
To find out about the advantages of private health insurance, see below.
Five good reasons to have private health insurance
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1. You can choose when and where you have a medical procedure. |
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2. You can choose your own doctor, whom you know and trust. |
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3. The 30% government rebate makes private health insurance more affordable. |
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4. Private cover helps to make Australia's health system one of the best in the world. |
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5. Private health insurance gives you access to advanced medical technology when you need it. |
How to join
 Complete the application form & Payroll Deduction Authority contained within the website and return to your Payroll Office for processing.
The La Trobe Health Care Plan is voluntary.
Compare HCF's rates with other funds to make your own informed decision.
Switching health funds?
Currently have private health cover with another fund? Please complete the Interfund Transfer section on the application form.
Also, if you have direct debit arrangement with your existing fund please remember to personally advise your bank, or pay office to cancel your deductions.
For further information or assistance please contact the Plan Advisors, Health Link Consultants.
Health Link Consultants
Phone: (03) 9670 5555
Freecall 1800 808 026
Fax: (03) 9642 8999
Email: advice@health-link.com.au
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