Is Latrobe Health Insurance not-for-profit?

Yes, Latrobe Health Insurance is a not not-for-profit.

How do I make a claim with Latrobe Health Insurance?

You have a few options for lodging a claim with Latrobe. You can either: Claim electronically. Some extras, including chiropractic, dental, osteopathy, physiotherapy and more, can be claimed via HICAPS or Health Point using your member card. You can also download Latrobe's mobile app to make a claim. Claim by mail. All extras can be claimed in person or by mail by either filling out a claim form and mailing it to Latrobe or by visiting a Latrobe branch.

What types of cover does Latrobe Health offer?

Latrobe Health offers a broad range of health insurance policies, including Hospital-only, Extras-only, combined packages, with ambulance cover automatically included.

How do I find out if my treatment or service is covered?

To find out if Latrobe Health covers a specific treatment or service you’re interested in, it’s best to double check the PDS to see if it’s covered.

What are the waiting periods for Latrobe Health Insurance?

This will depend on what service or treatment you’re looking for. For example, general dental has a waiting period of 2 months, optical is 6 months and major dental is 12 months.

How much should I be paying for private health insurance?

There's no single "right" price for private health insurance. How much you pay depends on your age, where you live and the level of cover you choose. Many Australians can pay anywhere from $100 to $250 per month, but it's important to remember that the best value is a policy that covers what you'll actually use.

Latrobe Health Insurance Review

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Congratulations, Latrobe Health Insurance!

Latrobe was a big winner in the 2025 Finder Customer Satisfaction Awards.

Latrobe received a Customer Satisfaction Award for Easiest to Claim Health Insurance, with an overall customer ranking of 4.6/5.
The insurer also picked up 2 Highly Commended Awards in the Most Loved and Most Trusted categories.

Full list of 2025 health insurance winners

Pros

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 as more comprehensive options.

Cons

Latrobe didn't do great in the most recent complaints data. They had the 26th worst ratio of complaints to market share out of 29 funds.

What types of health insurance does Latrobe offer?

Combined
Hospital

10 of 1,722 results

Treatments	Price
Silver Plus Hospital 750 Excess + Core Essential Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +30 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$48.45 per week	View details Compare product selectionCompare	loading
Silver Hospital 250 Excess + Core Complete Extras Silver$250 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +24 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$88.60 per week	View details Compare product selectionCompare	loading
Essential Silver Plus Hospital 750 Excess + Core Complete Extras Package Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$73.23 per week	View details Compare product selectionCompare	loading
Silver Hospital 250 Excess + Core Essential Extras Silver$250 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +24 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$40.30 per week	View details Compare product selectionCompare	loading
Bronze Plus Hospital 500 Excess + Core Essential Extras Bronze$500 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$44.90 per week	View details Compare product selectionCompare	loading
Essential Silver Plus Hospital 750 Excess + Premier Singles and Couples Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$87.86 per week	View details Compare product selectionCompare	loading
Essential Silver Plus Hospital 500 Excess + Core Essential Extras Silver$500 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$56.51 per week	View details Compare product selectionCompare	loading
Silver Hospital 250 Excess + Premier Families Extras Silver$250 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +24 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$107.80 per week	View details Compare product selectionCompare	loading
Silver Plus Hospital 250 Excess + Core Families Extras Silver$250 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +30 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$110.86 per week	View details Compare product selectionCompare	loading
Bronze Plus Hospital 500 Excess + Core Families Extras Bronze$500 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$66.70 per week	View details Compare product selectionCompare	loading

Showing 10 of 1,722 results

10 of 11 results

Treatments	Price
Bronze Hospital 750 Excess Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$21.76 per week	View details Compare product selectionCompare	loading
Essential Silver Plus Hospital 500 Excess Silver$500 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +24 other treatments covered	$30.07 per week	View details Compare product selectionCompare	loading
Bronze Plus Hospital 500 Excess Bronze$500 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$23.80 per week	View details Compare product selectionCompare	loading
Bronze Hospital 500 Excess Bronze$500 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$22.79 per week	View details Compare product selectionCompare	loading
Bronze Plus Hospital 750 Excess Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$22.70 per week	View details Compare product selectionCompare	loading
Silver Plus Hospital 750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$41.84 per week	View details Compare product selectionCompare	loading
Silver Hospital 250 Excess Silver$250 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +22 other treatments covered	$33.61 per week	View details Compare product selectionCompare	loading
Essential Silver Plus Hospital 750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +24 other treatments covered	$27.81 per week	View details Compare product selectionCompare	loading
Silver Plus Hospital 500 Excess Silver$500 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$44.53 per week	View details Compare product selectionCompare	loading
Silver Plus Hospital 250 Excess Silver$250 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$47.96 per week	View details Compare product selectionCompare	loading

Showing 10 of 11 results

- Winner for Best Health Insurance - Comprehensive Extras 2023
- Finalist for Best Health Insurance - Basic Extras 2023

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're after gold-level cover.

_{Review by our insurance and innovations editor Ceyda Erem.}

What types of health insurance does Latrobe offer?

Hospital
Extras
Combined
Ambulance

Hospital icon

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 $101,000 income, $500 excess and living in Sydney.

Extras icon

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.

Clipboard icon

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.

Ambulance icon

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 most recent Ombudsman health insurance complaints data. Latrobe ranked 26th out of 29 health funds, which isn't great. While it did receive a smaller share of complaints than its market share, which is a good thing, the averages this year were blown out by a massive spike in complaints against Defence Health.

Latrobe frequently asked questions

You have a few options for lodging a claim with Latrobe. You can either:
- Claim electronically. Some extras, including chiropractic, dental, osteopathy, physiotherapy and more, can be claimed via HICAPS or Health Point using your member card. You can also download Latrobe's mobile app to make a claim.
- Claim by mail. All extras can be claimed in person or by mail by either filling out a claim form and mailing it to Latrobe or by visiting a Latrobe branch.

Sources

Thank you for your feedback!

Written by

Ceyda Erem

Senior writer

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise

Ceyda has written 92 Finder guides across topics including:

Insurance

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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.

Congratulations, Latrobe Health Insurance!

Pros

Cons