Latrobe Health Services Review

Established in 1951, Latrobe now provides cover to over 80,000 members.*

They are part of Members Own Health Funds,* a group of 19 insurers who, based on paid benefits as a percentage of premiums, give more back to members. This group of not-for-profit mutual health funds promote Australian cover for Australian people. – and offers cover across the whole of Australia.** As part of their dedication to helping the people of Australia, they participate in many charity schemes across the country.

Latrobe are open to all, making them a great choice for many people seeking insurance.

Latrobe offers a huge amount of policy options. Their gold cover options include:

  • Gold Top Hospital, which offers no co-payment and no excess
  • Gold Hospital with co-payments
  • Gold Family Hospital Care
  • Gold Hospital Reducing Excess, which offers diminishing excess payments year upon year (even if you make a claim!)
  • Gold Hospital Excess, with five different excess options.

They also offer silver, bronze and basic packages.

If you want a company which offers many different types of policy, cover and excess options, Latrobe is a great choice, with something for every budget and situation. As standard, cover is offered for:

  • Accommodation
  • Theatre fees
  • Prostheses items
  • Intensive and critical care unit fees

Latrobe provides policies for individuals, couples, families and single parents. The maximum age of any child on a policy is 25, making them a great option if you have older children.

There are nine different options for extras coverage, some of which can be taken with or without hospital cover***. Again, for versatility, Latrobe is an excellent option.

Extras offerings include treatments such as:

  • Dental
  • Podiatry
  • Health appliances
  • Prostheses
  • And much more

Benefits as % of contributions:

  • Latrobe – 88.5%
  • Industry-standard – 86%

Management expenses (as %cont and $ of average policy):

  • Latrobe – 9% – $339
  • Industry standard – 8.8% – $310


  • Latrobe – 2.5%
  • Industry-standard – 5.2%


  • Hospital related charges – Latrobe is around the industry average
  • Medical services with no or known gaps – Latrobe is above the industry average
  • Medical services with no gap – Latrobe is below industry average
  • General treatment (extras) covered – Latrobe is below industry average

All claims can be made via post, while some claims – including chiropractic, dental and dietetics – can be made via email.

Latrobe offers a 25% travel insurance discount to its members.

You can find various ways to contact Latrobe here:

  • Call: 1300 362 144
  • Postal address: Latrobe Health Services Limited, 32 McDonald Street, Morwell VIC 3840
  • Email: via the contact form on their site or

Health Insurance Comparison currently does not offer comparisons for Latrobe Health Services. You can review the health insurers we compare here. Each of the insurers with a tick in the top right corner are able to be compared for you by our advisers or through our online comparison tool.

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