Latrobe Health Services health insurance

Is it a good health insurer?

Latrobe Health Services has 7 hospital and 8 extras policies in our comparison, from $104.85 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Latrobe Health Services Limited. Hospital, extras or both.

Explore 7 hospital and 8 extras products, or find cover by treatment. Sources for Latrobe Health Services

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 17 September 2026

I need cover for…

Compare cover across all Australian health funds.

Latrobe Health Services cover: the main choices.

For palliative care

Essential Silver Plus Hospital does not fully cover palliative care. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

If you claim dietetics every year

Boost Complete 60% Extras has a $200 dietetics limit and can only be bought with certain Latrobe Health Services hospital policies. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

Compare the cover, not just the premium

Compare Essential Silver Plus Hospital with HBF and HCF before choosing on price. Their cover differs for palliative care.

Compare selected alternatives

Latrobe Health Services policies and example prices.

The profile you choose updates the Latrobe Health Services price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Latrobe Health Services price for your circumstances? Compare Latrobe Health Services with cover across all Australian health funds.

Compare my options

Hospital cover

5 of 7 product lines

Latrobe Health Services sells Basic Plus Active Hospital and Basic Plus Top Hospital only with certain Latrobe Health Services extras policies.

Latrobe Health Services hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Bronze	Bronze HospitalBronze Hospital	$104.85/month	Policy details: Bronze Hospital
Bronze Plus	Bronze Plus HospitalBronze Plus Hospital	$109.51/month	Policy details: Bronze Plus Hospital
Silver	Silver HospitalSilver Hospital	$154.61/monthat $250 excess	Policy details: Silver Hospital
Silver Plus	Essential Silver Plus HospitalEssential Silver Plus Hospital	$138.33/month	Policy details: Essential Silver Plus Hospital
Silver Plus	Complete Silver Plus HospitalComplete Silver Plus Hospital	$202.89/month	Policy details: Complete Silver Plus Hospital

Not sold in NSW: Basic Plus Active Hospital, Basic Plus Top Hospital.

$64.56 more per month for Complete Silver Plus Hospital versus Essential Silver Plus Hospital after rebate for the selected example profile.

Cataracts is an additional inclusion, not the complete list of differences.

Extras cover

6 of 8 product lines

Latrobe Health Services sells Core Essential Extras and Core Complete Extras Package only with a Latrobe Health Services hospital policy. It sells Boost Complete 60% Extras only with certain Latrobe Health Services hospital policies.

Latrobe Health Services extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Basic ExtrasBasic Extras	$19.96/month	Policy details: Basic Extras
Core Essential ExtrasCore Essential Extras	$27.15/month	Policy details: Core Essential Extras
Core Complete Extras PackageCore Complete Extras Package	$40.63/month	Policy details: Core Complete Extras Package
Core Complete ExtrasCore Complete Extras	$42.34/month	Policy details: Core Complete Extras
Boost Complete 60% ExtrasBoost Complete 60% Extras	$56.15/month	Policy details: Boost Complete 60% Extras
Premier Singles and Couples ExtrasPremier Singles and Couples Extras	$71.81/month	Policy details: Premier Singles and Couples Extras

Not available for singles: Core Families Extras, Premier Families Extras.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Latrobe Health Services Essential Silver Plus Hospital comparisons. All policy links remain available.

All Latrobe Health Services policy pages

What does Latrobe Health Services hospital insurance cover?

Choose a treatment

1 Latrobe Health Services hospital policy fully covers cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Complete Silver Plus HospitalComplete Silver Plus Hospital	$202.89/month	Check policy details: Complete Silver Plus Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 7 hospital policies

Selected Latrobe Health Services treatment categories.

Treatment	Basic Plus Active HospitalBasic Plus	Basic Plus Top HospitalBasic Plus	Bronze HospitalBronze	Bronze Plus HospitalBronze Plus	Silver HospitalSilver	Essential Silver Plus HospitalSilver Plus	Complete Silver Plus HospitalSilver Plus
Cataracts	Not included	Not included	Not included	Not included	Not included	Not included	Included
Joint replacements	Not included	Not included	Not included	Not included	Not included	Not included	Included
Heart and vascular system	Not included	Not included	Not included	Not included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted
Palliative care	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Included
Insulin pumps	Not included	Not included	Not included	Not included	Not included	Not included	Included

How we read hospital categories

More premium does not mean more back on everything.

Latrobe Health Services extras limits per 12 months unless the statement says otherwise

Selected benefit	Basic Extras	Core Essential Extras	Core Complete Extras Package	Core Complete Extras	Boost Complete 60% Extras	Premier Singles and Couples Extras
Optical / physio benefit examples	Optical: $150.00 set benefit. Physio: $30.00 set benefit for an initial visit	Optical: $175.00 set benefit. Physio: $30.00 set benefit for an initial visit	Optical: $200.00 set benefit. Physio: $45.00 set benefit for an initial visit	Optical: $200.00 set benefit. Physio: $45.00 set benefit for an initial visit	Optical: $200.00 set benefit. Physio: 60% of eligible charge	Optical: $250.00 set benefit. Physio: $50.00 set benefit for an initial visit
Optical limit	$150.00	$175.00	$200.00	$200.00	$200.00	$250.00
Physiotherapy limit	$250.00Shared with non-PBS medicines, chiropractic, podiatry and other services	$350.00Shared with chiropractic, acupuncture, remedial massage and other services	$300.00Shared with chiropractic & osteopathy	$300.00Shared with chiropractic & osteopathy	$350.00Shared with chiropractic, exercise physiology & osteopathy	$550.00Shared with chiropractic, exercise physiology, osteopathy & other services
Major dental limit	$500.00per person, accident only	Not included	$1,000.00Shared with general dental & endodontic	$1,000.00Shared with general dental & endodontic	$1,000.00Shared with general dental & endodontic	$875.00
Psychology included?	No	Yes	Yes	Yes	Yes	Yes
Optical waiting period	6 months	6 months	6 months	6 months	2 months	6 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Core Complete Extras Package → Boost Complete 60% Extras

Both single-policy examples have a $200 optical limit. But the upgrade raises the shared physio limit from $300 to $350.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.

Premier Singles and Couples Extras: higher benefit examples

The optical examples move from a $150.00 set benefit on Basic Extras to a $250.00 set benefit on Premier Singles and Couples Extras. It has a $250 optical limit and $550 shared physio limit for the Single-policy example.Compare these benefits with the premium.

Why Latrobe Health Services' shared limits and waiting periods matter

Standard optical waiting periods in these examples range from 2 months to 6 months.

How shared limits work

Latrobe Health Services vs. HBF vs. HCF

How Latrobe Health Services compares with similar hospital policies.

These are selected Silver Plus examples from HBF and HCF, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Latrobe Health Services Essential Silver Plus Hospital with HBF Essential Silver Hospital and HCF Hospital Standard Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Latrobe Health Services and selected alternatives: monthly prices and verified coverage differences.

Compare	Latrobe Health ServicesEssential Silver Plus HospitalReference policy	HBF Essential Silver Hospital$0.63 less a month than Latrobe Health Services	HCF Hospital Standard Silver Plus$2.51 more a month than Latrobe Health Services
Monthly premium after rebate	$138.33/month	$137.70/month (lowest price in this row)	$140.84/month
Palliative care	Restricted	Included (best cover in this row)	Included (best cover in this row)
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Policy details	View Latrobe Health Services Essential Silver Plus Hospital	View HBF Essential Silver Hospital	View HCF Hospital Standard Silver Plus

Price assumptions

What the differences mean for you

Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.

Palliative care: included with HBF and HCF; restricted with Latrobe Health Services.

These alternatives match Latrobe Health Services Essential Silver Plus Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Latrobe Health Services and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	Latrobe Health ServicesEssential Silver Plus Hospital	HBF Essential Silver Hospital	HCF Hospital Standard Silver Plus
Rehabilitation	Included	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Restricted	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Latrobe Health Services with cover from every Australian health fund.

Compare all funds

Latrobe Health Services against the industry.

Latrobe Health Services members had no gap on 81% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Latrobe Health Services paid 39.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Latrobe Health Services increased premiums by an average of 4.53% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

1.3 / 5

3 Google reviews

Voluntary customer reviews · Latrobe Health Services on Franklin Street in Traralgon

Snapshot: 26 October 2026. This is the Google listing for Latrobe Health Services on Franklin Street in Traralgon, not a rating of Latrobe Health Services as a whole or a representative survey. This small sample may not reflect the experience of most members.

Read Latrobe Health Services on Franklin Street in Traralgon reviews at the source

Complaint share is close to market share, but investigated complaints are higher

Share of all complaints, 2024-250.5%

Market share, 30 June 20250.7%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Latrobe Health Services' share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 2.7%, above its market share.

Latest quarter, January to March 2026. The Ombudsman referred 5 complaints about Latrobe Health Services Limited to it to resolve, 0.8% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

3.5 / 5

19 App Store ratings

Latrobe Health Services app · Latrobe Health Services Limited

Snapshot: 23 October 2026. This rates the Latrobe Health Services app on the Australian App Store, not Latrobe Health Services' cover or claims. This small sample may not reflect the experience of most members.

See Latrobe Health Services on the App Store

Google Play

3.4 / 5

16 Google Play reviews

Latrobe Health Services app · Latrobe Health Services

Snapshot: 23 October 2026. This rates the Latrobe Health Services app on Google Play, not Latrobe Health Services' cover or claims. This small sample may not reflect the experience of most members.

See Latrobe Health Services on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Latrobe Health Services recognises your provider. Ask for a treatment plan and item numbers so Latrobe Health Services can estimate your benefits and out-of-pocket costs.
Official website
Make or track a claim
Use Latrobe Health Services' health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Latrobe Health Services

For general enquiries, call 1300 362 144.Contact details checked 23 October 2026.Official contact details and messaging options

Before you choose Latrobe Health Services.

Who owns Latrobe Health Services?

Latrobe Health Services is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 23 October 2026.

Can younger adults get a discount with Latrobe Health Services?

Latrobe Health Services offers age-based discounts to eligible younger adults. Check the discount on your quote and how it changes as you get older.

Source: Latrobe Health Services fund rules, checked 26 October 2026.

What is the cheapest Latrobe Health Services hospital policy?

Bronze Hospital is the cheapest Latrobe Health Services hospital policy for a single person in NSW with a $500 hospital excess, at $104.85 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 7 Latrobe Health Services hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Hospital to Bronze Plus Hospital?

Latrobe Health Services Bronze Plus Hospital adds cover for blood, dental surgery and 1 more category compared with Bronze Hospital. For the Single / NSW / $500 excess example it costs $4.66 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Latrobe Health Services.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · Latrobe Health Services · checked 26 October 2026
State of the Health Funds Report 2024-25 · Latrobe Health Services · checked 26 October 2026
Government insurer profile · Latrobe Health Services · checked 23 October 2026
Government premium-increase figures · Latrobe Health Services · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Latrobe Health Services on Franklin Street in Traralgon · Latrobe Health Services · checked 26 October 2026
App Store listing for Latrobe Health Services · Latrobe Health Services Limited · checked 23 October 2026
Google Play listing for Latrobe Health Services · Latrobe Health Services · checked 23 October 2026
Official contact details · Latrobe Health Services · checked 23 October 2026
Latrobe Health Services fund rules · Latrobe Health Services · checked 26 October 2026

How we compare health insurers

Compare Latrobe Health Services policies Sources for Latrobe Health Services Back to top

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