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Insurer

Latrobe Health Services

Reviewed and updated 16 March 2024

About Latrobe Health Services?

What is Latrobe Health Services?

Latrobe Health Services is a private health insurer that operates as an open health fund

Background 

Latrobe Health Services was established in 1950 by power workers to make hospital and ambulance care affordable for people living in the Latrobe Valley.

The insurer now has more than 81,000 members across Australia.

Who can join Latrobe Health Services?

Anyone can join Latrobe Health Services because it is an open health fund.

What products does Latrobe Health Services offer? 

Latrobe Health Services offers:

Do Latrobe Health Services policies include Ambulance Cover?

Since 1 April 2021, LaTrobe Health Services has included emergency Ambulance Cover with:

  • Hospital Cover
  • Extras Cover
  • Combined Hospital and Extras Cover.

Is Latrobe Health Services a not-for-profit health insurer?

Yes. Latrobe is a not-for-profit health insurer.


Does Latrobe Health Services operate in all Australian states and territories?

Yes. Latrobe Health Services operates in all Australian states and territories.


Does Latrobe Health Services sell its health insurance policies under other brands?

Yes. Latrobe Health Services sells policies under the Federation Health brand.


How does Latrobe Health Services Hospital Cover compare with other insurers?

BenchmarkLatrobeIndustry average
Member retention for Hospital Cover76.8%88.6%
% hospital-related charges covered91.0%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Does Latrobe Health Services have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Latrobe Health Services has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW7898
NT12
QLD4760
SA1623
TAS99
VIC7276
WA1824

Latrobe Health Services also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT69
NSW54103
NT12
QLD3557
SA1630
TAS88
VIC6179
WA1224

Source: LaTrobe Health Sevices: performance


How does Latrobe Health Services Extras Cover compare with other insurers?

BenchmarkLatrobeIndustry average
% Extras Cover charges covered40.6%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


How does Latrobe Health Services compare with other private health insurers?

BenchmarksLatrobeIndustry average
Market share0.7%
% services with no gap76.7%88.8%
% services with no gap or where known gap payment made99.6%97.4%
Market share of complaints to the PHIO1.1%
% complaints investigated by the PHIO1.6%
Benefits as a % of contributions79.7%83.1%
Management expenses as a % of contribution income15.0%9.9%
Management expenses per average policy$614$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Is Latrobe Health Services a member of any industry organisations?

Yes. Latrobe Health Services is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.

It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.


Does Latrobe Health Services let you claim online or via an app?

Yes. Latrobe allows you to make a claim online via the Latrobe Health Services app.


How to contact Latrobe Health Services

Phone:

1300 362 144

Website:

https://www.latrobehealth.com.au/

Email:

info@lhs.com.au

Address:

32 Darlimurla Avenue
NEWBOROUGH VIC 3825

Postal address:

Reply Paid 41
MORWELL VIC 3840


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