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!
Latrobe received the following awards in the 2024 Product Awards:
Winner for Best Health Insurance - Comprehensive Extras 2023
Finalist for Best Health Insurance - Basic Extras 2023
finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
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 $97,000 income, $500 excess and living in Sydney.
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.
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.
Latrobe health insurance complaints
We looked at the 2023 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.
Latrobe frequently asked questions
Yes, Latrobe Health Insurance is a not not-for-profit.
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.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 698 Finder guides across topics including:
As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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