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Latrobe Health Insurance Review

Latrobe Health Services are a not-for-profit that have a strong track record of lower premium increases than average.

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  • Affordable premiums – its annual premium rate increases have been lower than the industry average for 14 of the past 20 years.
  • Good for extras options. You can get cover for the basics like dental and physio as well more comprehensive options.


  • Beware if you're looking for an extras policy that pays a percentage of your treatment costs. Latrobe's extras policies offer set limits for most treatments.

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Latrobe health insurance: Our verdict

Latrobe is a not-for-profit health fund which means the money it makes goes back towards its members.

Latrobe is good if:

  • You want to go with a not-for-profit health fund.
  • You don't want your premiums to increase much.

Latrobe is not great if:

  • You don't care about not-for-profits.
  • You want gold-level cover.

Review by our insurance writer Gary Hunter.

What types of health insurance does Latrobe offer?

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Hospital Coverage

  • Bronze Hospital. From around $93 per month.
  • Bronze Plus Hospital. From around $97 per month.
  • Silver Hospital. From around $118 per month.
  • Silver Plus Hospital. From around $165 per month.

Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

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Extras coverage

Latrobe Health Services offers seven different extras policies you can purchase as a standalone policy:

    • Basic Extras. This is a basic policy that covers general dental, major dental, a few therapies and pharmacy. It offers mainly set limits, meaning you'll get a rebate equal to a specific amount rather than a percentage of the overall cost, regardless of how much the service costs. These limits are quite small e.g $500 for dental and $250 chiro, physio and podiatry.
    • Core Families Extras. This covers general dental, optical, exercise physiology, antenatal and postnatal classes, acupuncture, myotherapy, osteopathy, psychology, chiropractic and massage (with a registered provider).
    • Core Singles and Couples. This is similar to Core Families but comes with a dietician and doesn't cover speech therapies, antenatal and postnatal classes or air compressor pumps.
    • Core Extras. This covers quite a lot, including general dental, major dental, orthodontics, a range of therapies, pharmacy, dietician, acupuncture, optical, visiting nurses, health screenings and more.
    • Premier Family Care Extras. Top extras cover tailored to families meaning you get antenatal and postnatal classes, pregnancy compression garments as well as important services like dental and optical.
    • Premier Singles and Couples. Comprehensive extras cover but excludes pregnancy and family related services so you're not paying for something you don't need.
    • Premier Extras. Similar to other levels of premier cover except you'll also receive treatment for visiting nurses, lymphoedema garments, prostheses (non-surgically implanted) and health screenings such as mammograms, bone density testing and mole mapping.

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Combined coverage

Latrobe offers a Healthy Start Hospital Package which includes extras cover services such as general dental, optical and chiro. You can combine other Latrobe hospital and extras insurance policies to suit your needs.

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Ambulance coverage

All Latrobe hospital and extras insurance policies include cover for unlimited emergency ambulance transport unless you live in Queensland or Tasmania, where this service is free.

Latrobe health insurance complaints

We looked at the 2021 Ombudsman health insurance complaints. Here's how Latrobe did:

  • Latrobe only has a slightly larger complaints ratio than its market share which suggests many customers are happy with its service.
  • It ranked 13th out of 19 health funds, so it doesn't have the strongest complaints ratio.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. Latrobe is 13th overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

Latrobe frequently asked questions

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2 Responses

  1. Default Gravatar
    TriciaFebruary 26, 2017

    Hi there. We are members of Latrobe health top hospital cover with co payment. We wish to know is laser treatment eye surgery covered by Latrobe health. We have been members for several years.
    Also can you pleas tell me when our government surcharge is due to drop off as currently because we were both over 30 when we joined we pay an extra 2% per year extra.
    Thank you,

    • Avatarfinder Customer Care
      ZubairFebruary 28, 2017Staff

      Hi Trish,

      Thank you for your inquiry.

      You have contacted finder.com.au and not actually Latrobe Health Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

      Latrobe Health Insurance is not currently one of the brands in our panel of health funds so you will need to contact them directly. However, they do provide cover for major eye surgery under all hospital products.

      As for your LHC surcharge, that will remain in effect until you’ve held cover for 10 consecutive years.


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