Latrobe Health Insurance Review
Latrobe Health Insurance offers 5 main Health Insurance plans (Healthy Start, Bronze, and Silver Plus) from $24.49 to $46.10 per week. Additionally, Latrobe Health Insurance provides 6 extra plans, with prices from $4.36 per week.
It stands out for its award-winning Comprehensive Extras coverage, featuring unlimited emergency ambulance transport, and its dedicated support for regional healthcare through Maryvale Private Hospital, which offers specialised services like diabetic and cancer care.
| 📌 Date Established | 1951 |
| 📍 Headquartered | Newborough, Victoria, Australia |
| 🔢 Registration Number | 95568 |
| 👥 The average number of members | Over 90,000 members |
| 👤 Number of Employees | 51 - 200 |
| 🛡️ APRA-Regulated | ✅ Yes |
| 📉 The most recent Market Cap reported | Not publicly listed |
| 4️⃣ Average Customer Rating | 4.2/5 |
| 💡 Average Number of Reviews | Around 800 reviews |
| 📈 Market Share | 1.7% of the private health insurance market |
| 📊 Number of Plans Offered | 11 plans (5 main health plans and 6 extras plans) |
| 💹 Sponsorships | Supports various local community initiatives |
| 📲 Is a Mobile App offered | Available on iOS and Android |
| 💻 Medical Claims Portal | Accessible via the mobile app and online portal |
| ⏰ Customer Support Operating Hours | 9:00 am - 4:30 pm, Monday to Friday |
| ✏️ Information Hub and Blog | News and resources are available online |
| 📔 Chronic Illness Benefits | Covered for chronic illness management |
| 📚 Screening and Prevention Offered | Includes various preventive services |
| 🍼 Maternity Benefit | Covered under specific plans |
| 💶 Health Insurance Premium Range (AUD) | From $24.49 to $37.79 per week for different plans |
| ⭐ Average Waiting Period | 2 to 12 months, depending on the service |
| 🌎 Is International Medical Cover Offered | None |
| ✈️ International Travel Benefit | None |
Latrobe Health Insurance Plan Overview
| 🔎 Plan | 💴 Premium Range AUD | 🪫 Exclusions | ❤️ Ideal For | ↪️ Gap Cover | ➡️ Rebate Percentage | 🚨 Average Waiting Period | 🔑 Key Features |
| 🥇 Healthy Start | From $24.49 per week | Cosmetic surgery, weight loss surgery, dialysis | Singles, couples, young families | ✅Yes | 24.608% | 1 day - 12 months | Comprehensive hospital and extra cover, mental health, and rehabilitation support |
| 🥈 Bronze | From $25.66 per week | Pregnancy and birth services, assisted reproductive services | Budget-conscious singles and couples | ✅Yes | 24.608% | 1 day - 12 months | Unlimited emergency ambulance, option without extras |
| 🥉 Bronze Plus | From $27.69 per week | Heart and vascular system, joint replacements | Young families, active individuals | ✅Yes | 24.608% | 1 day - 12 months | Flexible excess options, core hospital services coverage |
| 🏅 Silver | From $34.65 per week | Weight loss surgery, hearing implants | Families, retirees | ✅Yes | 24.608% | 1 day - 12 months | Extensive coverage, mental health, and chronic illness support |
| 🎖️ Silver Plus | From $34.65 per week | Assisted reproductive services, pregnancy | Comprehensive coverage seekers | ✅Yes | 24.608% | 1 day - 12 months | Comprehensive clinical coverage, no excess for children |
| 🥇 Basic Extras | From $4.36 per week | Major dental surgeries | Singles, small families | ✅Yes | 24.608% | 2 - 12 months | General dental, optical, physiotherapy, unlimited emergency ambulance |
| 🥈 Core Essential | From $5.88 per week | High-cost health appliances | Singles, couples | ✅Yes | 24.608% | 2 - 12 months | Emergency ambulance, health appliances, general dental, physiotherapy |
| 🥉 Core Complete | From $8.89 per week | Cosmetic dental services | Individuals seeking comprehensive extras | ✅Yes | 24.608% | 2 - 12 months | Emergency ambulance, major dental, audiology, optical |
| 🏅 Core Families | From $15.79 per week | High-cost elective procedures | Large families | ✅Yes | 24.608% | 2 - 12 months | Dental, optical, antenatal, and postnatal classes, psychology services |
| 🎖️ Premier Families | From $37.79 per week | Specialised treatments | Families needing top-tier care | ✅Yes | 24.608% | 1 day - 12 months | Extensive dental, optical, physiotherapy, mental health support |
| 🥇 Premier Singles and Couples | From $14.73 per week | Fertility treatments | Health-conscious singles and couples | ✅Yes | 24.608% | 1 day - 12 months | Complementary therapies, extensive optical, mental health services |
Latrobe Health Insurance Plans – Features and Benefits
Latrobe offers plans that provide basic and comprehensive cover. These plans have unique features, inclusions, exclusions, and waiting periods to consider. Here’s an overview of all the hospital-only and extra packages available. Remember, pricing is based on your plan, age, income, and state.
Healthy Start Plan
The Healthy Start Plan is the most basic plan with essential hospital services for young singles and couples. This plan is a cost-effective solution with core health services included.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $24.49 |
| ❤️ All That’s Covered by This Plan | Core hospital services, including emergency ambulance cover, mental health services, palliative care, and basic dental and optical services |
| 🧡 All Exclusions on this Plan | Cosmetic surgeries, joint replacements, assisted reproductive services, and certain elective treatments |
| 🥰 Who is this plan ideal for? | Young singles and couples focused on essential health coverage at a reasonable premium |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance services, 2 months for psychiatric services, and 12 months for pre-existing conditions |
| ⭐ Excess Options | $750 |
Bronze Plan
The Bronze Plan expands hospital services, making it ideal for small families and individuals who need comprehensive yet affordable health coverage.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $25.66 |
| 🩷 All That’s Covered by This Plan | Broad hospital services, including rehabilitation, palliative care, emergency ambulance, ear, nose, and throat treatments, and digestive system care |
| 💜 All Exclusions on this Plan | Cataract surgeries, weight loss procedures, IVF treatments, and certain elective procedures |
| 🥰 Who is this plan ideal for? | Families and individuals need comprehensive hospital care at an accessible cost |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance services, 2 months for rehabilitation and psychiatric services, 12 months for pre-existing conditions |
| ⭐ Excess Options | $500 or $750 |
Bronze Plus Plan
The Bronze Plus Plan includes more hospital coverage, making it ideal for individuals and families who want enhanced benefits over a standard bronze plan.
| 🔎 Category | Details |
| 💴 Premium Minimum (weekly) | $27.69 |
| 💚 All That’s Covered by This Plan | Key hospital services include rehabilitation, palliative care, mental health services, and clinical treatments like ENT, gastrointestinal care, and orthopedic services |
| 💙 All Exclusions on this Plan | Weight loss surgeries, assisted reproductive treatments, dialysis, and joint replacements |
| 🥰 Who is this plan ideal for? | Families and individuals needing additional hospital services and flexibility in healthcare coverage |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance services, 2 months for rehabilitation and mental health services, and 12 months for pre-existing conditions |
| ⭐ Excess Options | $500 or $750 |
Silver Plan
The Silver Plan extends coverage, making it an excellent choice for families and individuals seeking essential health protection.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $34.65 |
| 🩷 All That’s Covered by This Plan | Comprehensive hospital services, including heart and vascular treatments, respiratory services, orthopedic care, and emergency ambulance cover |
| 🧡 All Exclusions on this Plan | Cosmetic surgeries, certain elective procedures, and assisted reproductive treatments |
| 🥰 Who is this plan ideal for? | Singles, couples, and families needing comprehensive hospital services |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance, 2 months for rehabilitation services, 12 months for pre-existing conditions |
| ⭐ Excess Options | $500 or $750 |
Silver Plus Plan
The Silver Plus Plan is an enhanced hospital cover plan with additional benefits for different medical needs and treatments, ideal for both individuals and families.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $46.10 |
| 💛 All That’s Covered by This Plan | Extensive hospital services, including complex treatments like heart surgery, major joint replacements, lung care, and comprehensive mental health services |
| 💜 All Exclusions on this Plan | Elective cosmetic surgeries, weight loss surgeries, IVF treatments, and dialysis for chronic conditions |
| 🥰 Who is this plan ideal for? | Individuals and families requiring extensive hospital care and flexibility in excess options |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance, 2 months for rehabilitation and psychiatric services, and 12 months for pre-existing conditions |
| ⭐ Excess Options | $250, $500, or $750 |
Basic Extras Plan
The Basic Extras Plan offers essential coverage for routine healthcare services at an affordable cost, making it an ideal choice for young singles or families on a budget.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $4.36 |
| 🩷 All That’s Covered by This Plan | Basic dental services, emergency ambulance cover, simple optical services, and some physiotherapy consultations |
| 💜 All Exclusions on this Plan | Major dental procedures, advanced physiotherapy, orthodontics, and hearing aids |
| 🥰 Who is this plan ideal for? | Young singles or families seeking affordable, routine healthcare coverage |
| ⏰Waiting Periods For This Plan | 2 months for general dental and 12 months for major dental procedures |
| ⭐Excess Options | Not applicable to extras-only plans |
Core Essential Plan
The Core Essential Plan offers a well-rounded selection of benefits that cater to singles, couples, and families to maintain their overall health with essential services.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $5.88 |
| 🧡 All That’s Covered by This Plan | General and major dental services, optical benefits, physiotherapy, chiropractic services, and mental health support |
| 💚 All Exclusions on this Plan | Orthodontics, advanced hearing aids, and high-cost surgical aids |
| 🥰 Who is this plan ideal for? | Individuals and families looking for a balanced health plan without high premiums |
| ⏰ Waiting Periods For This Plan | 2 months for dental services and 12 months for hearing aids and advanced treatments |
| ⭐ Excess Options | Not applicable to extras-only plans |
Core Complete Plan
The Core Complete Plan is more comprehensive and covers more services and benefits for all members.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $8.89 |
| 🧡 All That’s Covered by This Plan | Comprehensive dental care, optical services, physiotherapy, chiropractic, health appliances, and pharmaceuticals |
| 💛 All Exclusions on this Plan | Cosmetic surgeries, major dental work not covered by core services, and unapproved pharmaceuticals |
| 🥰 Who is this plan ideal for? | Individuals or families requiring extensive and reliable extras cover |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance, 2 months for dental, 12 months for major dental services |
| ⭐ Excess Options | Not applicable to extras-only plans |
Core Families Plan
The Core Families Plan provides health benefits targeted at family-oriented services and healthcare needs.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $15.79 |
| 💜 All That’s Covered by This Plan | Comprehensive dental services, optical benefits, physiotherapy, antenatal and postnatal classes, and health appliances |
| 💚 All Exclusions on this Plan | Cosmetic dental work, unapproved complementary therapies, and IVF treatments |
| 🥰 Who is this plan ideal for? | Families and single parents needing broad coverage for children’s healthcare needs |
| ⏰ Waiting Periods For This Plan | 1 day for emergency ambulance, 2 months for dental, 6 months for antenatal and postnatal classes |
| ⭐ Excess Options | Not applicable to extras-only plans |
Premier Families Plan
The Premier Families Plan offers higher extra coverage for extensive dental, optical, and family-oriented needs.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $37.79 |
| 🩷 All That’s Covered by This Plan | Dental, optical, physiotherapy, psychology services, antenatal and postnatal care, health appliances, and pharmaceuticals |
| 💙 All Exclusions on this Plan | Unapproved complementary therapies, elective surgeries, and non-prescription drugs |
| 🥰 Who is this plan ideal for? | Families seeking premium extra coverage for routine and advanced healthcare needs |
| ⏰ Waiting Periods For This Plan | 1 day for ambulance, 6 months for antenatal classes, 12 months for orthodontics |
| ⭐ Excess Options | Not applicable to extras-only plans |
Premier Singles and Couples Plan
The Premier Singles and Couples Plan has extensive coverage for general health services outside of hospital care, focusing on the needs of singles and couples.
| 🔎 Category | 📌 Details |
| 💴 Premium Minimum (weekly) | $14.73 |
| 💚 All That’s Covered by This Plan | Dental, optical, physiotherapy, psychology services, complementary therapies, health appliances, and pharmaceuticals |
| 💛 All Exclusions on this Plan | Cosmetic surgeries, non-approved complementary services, and prescription-free drugs |
| 🥰 Who is this plan ideal for? | Singles and couples seeking extensive extra coverage for routine healthcare needs |
| ⏰ Waiting Periods For This Plan | 2 months for general dental, 12 months for orthodontics |
| ⭐ Excess Options | Not applicable to extras-only plans |
Recent User Reviews
🥇 Trustworthy Service and Easy-to-Use Website
After several years with Latrobe Health, they always provide trustworthy service. I like how easy their website is to use and how easy it is to discover information. Competitive premiums and sufficient coverage meet my demands. Their customer service representatives are skilled and eager to help. I suggest Latrobe to anybody seeking reliable health insurance. – Barry
🥈 Great Pricing and Swift Customer Support
Based on a friend’s advice, I joined Latrobe Health and am pleased. Their website is easy to use, and enrollment was simple. The pricing and coverage are right for me. I also liked how swiftly customer care answered my changeover enquiries. – Mike
Latrobe Health Insurance vs AAMI Health Insurance vs Australian Unity Health Insurance – A Comparison
| 🔎 Provider | 🥇 Latrobe Health Insurance | 🥈 AAMI Health Insurance | 🥉 Australian Unity Health Insurance |
| 📌 Years in Operation | 74 years | 54 years | 184 years |
| 📍 Average Number of Members | 100,000+ | Not publicly disclosed | Approximately 280,000 |
| 🛡️ APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 👤 Number of Employees | 51 - 200 | Approximately 1,559 | Over 7,000 |
| 📉 Market Share | 1.7% of the private health insurance market | Not disclosed separately from Suncorp Group | Estimated at around 3% |
| 📈 Market Coverage | Australia | Australia | Australia |
| 🩷 Customer Rating | 4.2/5 | 3.96/5 | 4.2 stars |
| 🔢 Number of reviews | 800+ | 1,000+ | 1,000+ reviews |
| 📲 Mobile App | The Latrobe App | The AAMI App | The Australian Unity Health App |
| 💶 Premium Range (AUD) | From $24.49 to $37.79 per week for different plans | From $20.08 to $62.76 per week | From $38.60 per fortnight to $3,172.79 per year |
| 📊 International Travel Benefit | None | Offers travel insurance separately, not covered directly under health plans | Under specific plans |
| 💹 Market Capitalisation | Not publicly listed | Aggregated under Suncorp Group’s financial data | Not publicly available |
| ⭐ Unique Features | Owns Maryvale Private Hospital, a member-owned, high community involvement, Connected Communities program, Shane Warne Legacy Partnership | Tailored health coverage options, emergency ambulance cover, flexible rebate options, partnerships for community and resilience initiatives | Hospital Substitution Programs, Health Support Programs, Chronic Illness Benefits, Screening and Prevention Programs, comprehensive hospital and extra coverage options |
Advantages of Latrobe Health Insurance
Latrobe’s key advantages can be summarised in three primary areas.
Regional Support and Community Focus
Latrobe’s commitment to regional healthcare is evident in its operation of Maryvale Private Hospital, Gippsland’s only private acute medical and surgical facility.
This hospital serves as a critical healthcare hub for the community, providing specialized services like cancer care, diabetes management, and mental health support.
Latrobe’s regional focus also extends to partnerships with local medical practices and donations to community health initiatives, ensuring access to quality healthcare services in rural areas.
Member Ownership and Exceptional Customer Service
Latrobe Health Insurance is a member-owned, not-for-profit fund that prioritises the needs of its members over profits.
Latrobe is a founding partner of the Shane Warne Legacy initiative, providing free health checks to members. The fund also boasts an industry-leading 85%-member satisfaction rate, attributed to its personalised and responsive service.
Comprehensive and Transparent Coverage Options
Latrobe provides a range of comprehensive hospital and extra plans that are transparent about inclusions and exclusions.
Latrobe’s range of extra plans, including award-winning Basic Extras and Core Complete Extras, cater to different member needs, with flexible coverage limits and a focus on health appliances and complementary services.
Latrobe Health Insurance Gap Cover
Latrobe’s gap cover arrangement works in partnership with Medicare to cover the 25% of medical fees not included under the Medicare Benefits Schedule (MBS). This ensures that members are not left covering most of their in-hospital expenses. However, members could incur additional costs if a medical professional charges more than the MBS amount.
Latrobe emphasises the importance of obtaining Informed Financial Consent, which involves members receiving a breakdown of anticipated costs from their healthcare providers before treatment.
Here are the key features of Latrobe’s gap cover:
- Coverage of in-hospital services through partnerships between Medicare and Latrobe Health.
- Emphasis on transparency with the Informed Financial Consent process, helping members avoid unexpected bills.
Latrobe’s gap cover applies to doctors or specialists who do not have a separate agreement with the insurer.
Latrobe Health Insurance App Features
The Latrobe App for iOS and Android offers several functionalities to help members manage their cover, submit claims, and more.
The Latrobe app has a sleek interface and intuitive navigation. Navigation buttons are placed at the bottom of the screen, allowing easy access to all critical functions.
The app also includes personalised alerts, which notify members of any policy changes or important updates, keeping them informed about their coverage in real time.
Here are some of the core features of the app:
- Members can submit extra claims through the app by taking a photo of their invoice or receipt. Once submitted, the app allows them to track the status of their claims in real time, providing transparency and reducing waiting times.
- The app’s new interface provides an easy-to-read overview of remaining benefits and limits on extras, allowing members to stay informed about their coverage.
- Members can quickly access details about their coverage and policies, including benefits, coverage levels, and waiting periods.
- The app lets members review and update payment details directly, ensuring timely premium payments. Members can request new cards, making it easier to manage their membership credentials on the go.
With a built-in provider search tool, members can find affiliated healthcare providers within their vicinity.
How to apply for Health Insurance with Latrobe Health Insurance
To apply for health insurance with Latrobe, start by exploring the hospital-only and extra plans they offer and decide whether a combined plan or a standalone option best suits your needs. Next, visit the Latrobe Health Insurance website and navigate to the membership application section.
You’ll need to provide your details, including contact information and policy preferences. If you’re applying for family or single-parent coverage, you’ll also need to provide information about dependents or beneficiaries. During the application, upload any required documents, such as proof of identification, previous health fund clearance (if switching), and proof of residency, if applicable.
Afterward, review the policy summary to ensure all details, including coverage options and premiums, are correct. Confirm your understanding of waiting periods, excess options, and exclusions. Then, choose your preferred payment method—options include direct debit, BPay, or credit card—and make the initial premium payment.
Once payment is received, Latrobe will send a confirmation notice and membership card to finalize the process.
How to apply for Gap Cover with Latrobe Health Insurance
Gap cover can help you save on some expenses, and here’s how you can apply:
- Confirm if your existing plan includes or qualifies for gap cover, as some hospital services and doctors may not be part of Latrobe’s gap cover agreements.
- Latrobe advises members to obtain Informed Financial Consent (IFC) from their medical provider before applying for gap cover.
- Complete the application forms for gap cover.
- Applications can be submitted via email, Latrobe’s Member Experience Hubs or by calling the customer support line for assistance.
Wait for feedback from Latrobe.
How to Submit a Claim with Latrobe Health Insurance
Before making a claim, check your policy to ensure that the treatment or service is covered under your plan. You can find this information on the Latrobe Health app or by contacting member services. Be sure to obtain itemised receipts or invoices that show the provider’s details, service type, and patient information, making sure the documents are clear to avoid any delays in processing.
Next, choose your submission method:
Latrobe Health App
Upload a photo of your invoice or receipt for extra claims.
Online Submission
Log in to the Latrobe website to submit scanned copies of the required documents.
Direct Billing via Providers
Claims for participating providers can be processed directly through platforms like HICAPS at the point of service.
Postal Submission
If preferred, mail your claims to Latrobe Health’s claims processing address.
After submission, you can track your claim’s status using the app or the Latrobe website. Latrobe will notify you through the app or your registered email if additional information is needed.
How to Downgrade My Plan with Latrobe Health Insurance
Latrobe Health Insurance offers a straightforward process for adjusting coverage. Here’s how you can downgrade your health insurance plan:
- Consider your current and future healthcare needs and compare the available plans. You can also contact Latrobe for assistance.
- Contact Latrobe’s member services to discuss the downgrade options and the associated changes to premiums, benefits, and waiting periods.
- You can submit a formal downgrade request through the Latrobe Health app or by visiting a Latrobe Member Experience Hub.
Latrobe will issue a confirmation notice detailing the changes to your policy and any applicable waiting periods.
How do I add a Beneficiary to Latrobe Health Insurance?
If you want to add a child or adult dependent, you can log into your Latrobe Health Insurance profile and follow these steps:
- Review your policy details to understand the specific requirements and rules for adding a beneficiary.
- Complete the beneficiary nomination or update form. Ensure all details are accurate, including the beneficiary’s full name, relationship, and contact information.
- Once completed, submit the form through the appropriate channel:
- Online Member Portal: Log in to the member portal to upload and submit the necessary documents directly.
- In-Person Submission: Visit a Latrobe office to submit the form in person, with assistance from customer support if needed.
Members will receive a confirmation email or message once their request has been processed. Members must keep a record of this confirmation for future reference.
How to Submit a Compliment or Complaint with Latrobe Health Insurance
Latrobe provides a strong framework for members to communicate their experiences and resolve any issues. Here’s how you can provide feedback:
Phone:
Call the Customer Experience team at 1300 362 144 for direct assistance with inquiries, feedback, or resolving concerns.
Email:
Send your feedback or complaints to [email protected]. This method allows for written communication and acknowledgment via email.
Postal Mail:
For formal written communication, address your feedback to the Customer Experience Manager at Reply Paid 41, Morwell VIC 3840.
In-Person Visits:
Visit one of Latrobe’s Member Experience Hubs for face-to-face assistance. You can find locations and operating hours on the Latrobe Health website.
Escalation to the Private Health Insurance Ombudsman (PHIO):
If a complaint is unresolved, you can contact the PHIO for an independent review by calling 1300 362 072 or emailing [email protected].
When submitting a complaint, make sure to include your policy number, a clear description of the issue, and any relevant documents to help Latrobe address the matter quickly.
How to Switch my Health Insurance to Latrobe Health Insurance
Switching to Latrobe Health Insurance is easy. Here are the steps to switch your coverage to Latrobe:
Choose Your New Plan
Review the hospital and extra plans offered by Latrobe and select the one that best suits your healthcare needs. Compare your current coverage with the new plan to identify any differences.
Request a Clearance Certificate
Obtain a clearance certificate from your current health fund. This certificate confirms that your existing policy is up to date and helps recognize any waiting periods you’ve already served.
Submit Your Application to Latrobe
Complete Latrobe’s membership application and include your clearance certificate. It’s recommended to complete the switch within 30 days to avoid re-serving waiting periods.
Once Latrobe approves your switch, inform your current provider about your decision to cancel your policy. This step finalizes the transition and ensures there’s no overlap between policies.
Latrobe Health Insurance Corporate Responsibility
Latrobe’s corporate responsibility focuses on building connected, resilient communities, particularly in regional and rural areas. Some of their key initiatives include:
Healthcare Facilities
Latrobe owns and operates Maryvale Private Hospital, Gippsland’s only private acute medical and surgical facility. The hospital offers specialized care, including programs for diabetes, cancer services, and palliative care.
Support During Crises
Latrobe assists during times of crisis, contributing $75,000 to the Gippsland Emergency Relief Fund during the January 2020 bushfires and offering an $8 million support package during the COVID-19 pandemic.
Regional Partnerships
Latrobe partners with health providers such as Yallourn North Medical Centre and the Central Gippsland Family Practice to offer healthcare to underserved communities.
Charitable Contributions
Latrobe actively supports charitable organizations, donating to Berry Street, Anglicare Victoria, and Quantum Support Services to address issues like family violence and youth mental health.
Through these initiatives, Latrobe demonstrates its commitment to supporting the well-being of regional and rural communities.
Latrobe Health Insurance Regulation
Private health insurance in Australia is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Competition and Consumer Commission (ACCC). Latrobe Health Insurance is a member of APRA under the registered name Latrobe Health Services Limited (ABN 94 137 187 010).
The main regulatory framework for health insurance is the Private Health Insurance Act 2007, with both APRA and ACCC overseeing its implementation.
APRA focuses on maintaining the financial stability of health insurers, monitoring them with regular risk assessments and stress tests to ensure they remain financially solvent. The ACCC ensures fair pricing and transparency by reviewing premium increases to ensure they are reasonable and protect consumers.
Both regulators work together to protect members’ interests, ensuring the market operates fairly and members are safeguarded from misconduct or financial risks.
Latrobe Health Insurance Awards and Recognition
Latrobe Health Insurance has received several prestigious awards in recent years. It was recognized with the Best Comprehensive Extras Coverage award at the Finder Awards for two consecutive years. Additionally, the Basic Extras plan was highly commended in 2023 and 2024 for its affordability and coverage.
Latrobe also won the “Best for Flexibility” category in 2023 and 2024 thanks to its adaptable plans and wide range of options for members. The company was also a finalist in both the “Best for Silver Hospital Cover” and “Best for Bronze Hospital Cover” categories in 2023 and 2024.
Lastly, Latrobe earned top honours in the “Best for Extras” category, highlighting its extensive range of services and flexibility.
Latrobe Health Insurance Customer Support and Contact Details
Latrobe Health Insurance offers multiple support options for its members. Phone support is available through the dedicated Customer Experience team at 1300 362 144, Monday to Friday, providing personalized assistance with policy details, claims, and other inquiries.
For those who prefer written communication, email support can be reached at [email protected], allowing members to document their questions or feedback. Latrobe also operates several Member Experience Hubs in Gippsland (Warragul, Bairnsdale, Traralgon, and Moe), where members can receive face-to-face assistance.
Additionally, online services are available via the Latrobe website, allowing members to manage their policies, update details, view tax statements, and pay premiums at their convenience.
Latrobe Health Insurance Rebates and Discounts
Latrobe Health Insurance offers various rebates and discount options to provide financial relief for its members. These include:
Private Health Insurance Rebate
- Government rebates on premiums based on income and age.
- Indexed annually, allowing members to select their entitlement level.
- Rebates can be applied automatically or adjusted through Latrobe’s member services.
Age-Based Discount
- Available for members aged 18 to 29.
- Starts at 10% and gradually decreases with age until 41, after which the discount reduces by 2% per year.
- Designed to make coverage more affordable for younger members.
Lifetime Health Cover (LHC) Incentive
- Applies a loading for individuals who don’t purchase private health insurance by age 31.
- Encourages continuous coverage to avoid a 2% loading per year.
Family and Loyalty Discounts
- Family discounts to reduce premiums for multi-member households.
- Loyalty programs offering special deals for long-term members.
Medicare Levy Surcharge Avoidance
High-income earners can avoid the Medicare Levy Surcharge (1% to 1.5%) by holding an eligible hospital policy.
These initiatives aim to make health insurance more affordable and accessible for a wide range of members.
Latrobe Health Insurance Additional Health Services and Products
Latrobe offers additional health services and products besides typical health insurance coverage.
- Latrobe emphasises comprehensive care through wellness programs that include health checks, screenings, and mental well-being support.
- Latrobe provides benefits for most prescriptions and travel vaccines.
- Latrobe offers coverage for visiting nurse services, enhancing in-home care options.
- The plans cover essential health appliances, such as blood glucose monitors, CPAP machines, and hearing aids, making them more accessible for members who need to manage conditions long-term.
Members benefit from additional coverage for accident-related services, minimising financial impact during emergencies.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Transparent pricing and inclusions for all plans | Waiting periods apply for major services |
| Unlimited emergency ambulance transport | Limited plan options for fertility treatments |
| High member satisfaction with personalised support | Not suitable for international medical cover |
| Flexible coverage options with affordable premiums | No coverage for certain elective surgeries |
| Member-owned structure prioritises member needs | Limited international travel benefits |
| Extensive regional support and community focus | Restricted high-cost surgical aids under extras plans |
| Comprehensive gap cover arrangements | Fewer premium hospital options in comparison to some competitors |
| Strong focus on mental health and chronic illness management | Limited discount options for families compared to larger funds |
In Conclusion
Latrobe Health Insurance stands out for its practical and flexible approach, allowing Australians to choose a health insurance plan that best suits their needs, whether for themselves or their families.
In our view, Latrobe offers a range of basic, essential, and comprehensive plans for singles, couples, families, and single parents. It strikes a solid balance between affordability, functionality, and flexibility. While it may offer fewer options compared to some competitors and doesn’t focus on niche features, its strength lies in its transparency and the tailored packages it provides for more common health needs.
Although Latrobe doesn’t offer travel or pet insurance, which may place it slightly behind other providers, we found that customers are generally satisfied with the coverage they receive. Additionally, the level of customer support is excellent.
Overall, Latrobe could be a great choice if you’re looking for health insurance that covers most conditions without overspending and if you don’t require a wide range of additional extras.
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Frequently Asked Questions
What does Latrobe Health’s hospital coverage include?
Latrobe Health’s hospital coverage includes basic services such as accommodation, theatre expenses, and accident coverage, but specific inclusions vary per plan.
Can I claim for extras using Latrobe’s mobile app?
Yes, you can claim extras by taking a photo of the receipt and submitting it through the app.
How can I contact Latrobe Health for help?
You can use the live chat option from the website, contact them via the app, phone, or email, or submit an online inquiry.
How does Latrobe Health address complaints and grievances?
Latrobe has a complaint resolution mechanism specified in its Code of Conduct to handle members’ complaints.
