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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 more comprehensive options.
Cons
- 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 Health!
LaTrobe Health is the 2023 Finder Award winner for the Comprehensive Extras category for it’s Core Complete Extras Package. It costs approximately $9 per week and covers all standard extras treatments, as well as nutrition, psychology, audiology, speech therapy and health appliances including blood glucose monitors and hearing aids.
LaTrobe was also highly commended for the Basic Extras category.
Full list of 2023 winners
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.

Hospital Coverage
- Bronze Hospital. From around $90.71 per month.
- Bronze Plus Hospital. From around $94.94 per month.
- Silver Hospital. From around $123.58 per month.
- Silver Plus Hospital. From around $178.99 per month.
Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

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 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.
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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