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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.

Congratulations, Latrobe!

Latrobe received the following awards in the 2024 Product Awards:

  • 'Health Insurance - Comprehensive Extras' - Winner
  • 'Health Insurance - Core Extras' - Highly Commended
Full list of 2024 winners does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

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 and innovations editor Gary Ross Hunter.

What types of health insurance does Latrobe offer?

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Hospital Coverage

  • Bronze Hospital. From around $93.43 per month.
  • Bronze Plus Hospital. From around $97.79 per month.
  • Silver Hospital. From around $124.82 per month.
  • Silver Plus Hospital. From around $183.47 per month.

Quotes are based on a single individual with less than $93,000 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 Essential Extras. 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 Complete 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 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.

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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 2022 Ombudsman health insurance complaints. Here's how Latrobe did:

  • Latrobe ranked 16th out of 19 health funds, meaning 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 sixteenth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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Latrobe frequently asked questions

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