Latrobe Health Services

Latrobe Health Services has been operating for over 70 years. Their promise to members is to build a valuable partnership, empowering members to make choices based on the best advice, and make it simple for members to understand, manage and access their insurance.

What makes Latrobe Health different?

Latrobe Health offers Private Hospital Cover in a public hospital for all clinical categories in their Healthy Start Hospital Package². This distinguishes it from many other low level policies, as it has restricted cover for every clinical category.

Latrobe is also a regionally focused and based Private Health Insurer that supports members and the communities in which they live.

In 1991, they established Maryvale Private Hospital, Gippsland’s only private acute medical and surgical hospital³. Today, it’s a key health hub contributing to education and clinical programs such as diabetic care, cancer services, palliative care, breast care, and men’s health.

As a member-owned fund, Latrobe Health prides itself on providing higher benefits for members. Around 90 cents in every dollar they receive is used to pay their members’ claims⁴, which can keep their rates relatively low (when compared with other providers).

Latrobe Health believes that the fundamental reason for Private Health Insurance is to provide peace of mind to its members no matter what might go wrong.

Which private hospitals does Latrobe Health have an agreement with?

Latrobe Health has partnered with hundreds of public and private hospitals around Australia⁵. 

The interactive map below presents the number of private hospitals and day hospitals that Latrobe Health has an agreement within each state.  

To find your nearest provider that partners with Latrobe Health, follow the link here and submit your required service and local area. 

What kinds of cover do Latrobe Health offer?

Latrobe Health offer several hospital packages, with different excess options so that members can find an option that suits their budget and needs. 

What Hospital Cover options do Latrobe Health offer? 

Latrobe Health offer the following policies for hospital cover through iSelect⁶: 

Bronze Hospital 

• Hospital Cover for common hospital treatments such as tonsils, adenoids and grommets, joint reconstructions, hernia and appendix, chemo and gastrointestinal endoscopies. 
• Cover for a wide range of categories. 
• Choice of $250, $500, or $750 excess. 
• No excess for hospital admissions for children on a family membership. 
• Unlimited emergency ambulance transport.

Bronze Plus Hospital 

• This policy offers some extra comfort, as it includes procedures and treatments for blood, lung, chest and in-hospital dental surgery on top of the items listed under the Bronze Plus Hospital policy.  
• Other inclusions and excess options are the same as the Bronze policy.

Silver Hospital 

• Similar to the Bronze policies, the Silver Hospital policy offers cover for situations of unexpected but potentially serious hospitalisations involving the heart and vascular system, back, neck, and spine.  
• Other inclusions and excess options are the same as the Bronze category. 

Silver Plus Hospital 

• This is the highest level of hospital cover at Latrobe Health. It offers cover for treatments and procedures such as joint replacements, rehabilitation, palliative care, cataracts, dialysis and insulin pumps, sleep studies and pain management with a device. 
• Other inclusions and excess options are the same as the Silver category. 

 For a comprehensive list of Latrobe hospital cover products, visit their website. 

What Extras Policies does Latrobe offer?

Latrobe Health offer the following policies for Extras cover, which can be added with hospital cover through iSelect.⁷  

Basic Extras 

• This is an entry-level of extras cover for the budget-conscious. 
• It includes general dental cover (plus some cover for major dental treatment as a result of an accident). 
• Standard allied health services including physio, chiro, osteo, podiatry and massage. 
• Travel vaccinations. 
• Unlimited emergency ambulance transport.

Core Family Extras 

• This level of cover suits growing and active families. 
• It includes standard extras as listed under Basic Extras,  except for major dental treatment as a result of an accident or podiatry consultations, plus: 
• 1 free dental exam per person each year. 
• Nutrition/dietetics, psychology, exercise physiology, antenatal/postnatal classes and speech therapy. 
• A range of health appliances and devices. 
• Unlimited emergency ambulance transport. 
• A benefit bonus for those who pair this with Hospital Cover.

Core Essentials Extras  

• This policy is designed for active singles and couples. 
• It includes all standard extras as listed under Core Family Extras, except for antenatal/postnatal classes and speech therapy. 
• Unlimited emergency ambulance transport.

Core Complete Extras 

• This level of cover is designed for established families, mature couples, and singles. 
• It includes all standard extras such as general and major dental, and allied health services, plus: 
• Nutrition/dietetics, psychology, audiology, and speech therapy. 
• Health appliances and devices such as blood glucose monitors, TENS machines, CPAP machines and hearing aids. 
• Unlimited emergency ambulance transport.

Premier Families Extras 

• This is a top level of cover for growing and active families. 
• It includes all the standard extras such as dental and allied health, plus: 
• 2 free dental exams per person, each year. 
• Cover for a range of health devices and maintenance services such as infant sleep schools, allergy-related services, travel vaccines, QUIT courses, crutches, cam boots and CPAP machines. 
• Additional support for extensive travel to attend dental or medical appointments. 
• A benefit bonus when combined with hospital cover. 
• Unlimited emergency ambulance transport.

Premier Singles and Couples 

• This is a top level of extras cover for couples and singles. 
• It includes all standard extras plus: 
• 2 free dental exams per person, each year. 
• Nutrition/dietetics, psychology, exercise physiology, and Chinese medicine. 
• Cover for a broad range of health appliances and maintenance services, including travel vaccines, and QUIT courses. 
• Additional support for extensive travel to attend dental or medical appointments, or in case of school accidents. 
• A benefit bonus when combined with hospital cover. 
• Unlimited emergency ambulance transports. 

How do I make payments with Latrobe Health?

You can choose to pay your Latrobe Health insurance either weekly, fortnightly, monthly, quarterly, bi-annually or annually. When you pay annually and bi-annually you may be eligible to receive a discount⁸. 

 Payment can be made the following ways when a policy is purchased through iSelect. 

Direct Debit via bank account  

Direct Debit via Credit card

How do I manage my premium payments with LaTrobe?

Members can log into the Latrobe Health app on their mobile phones to make premium payments.

How do I become a Latrobe Health member?

Join Latrobe Health via our secure online application or by calling 1800 784 772 and speaking to one of iSelect’s health insurance consultants.  

^{Sources:
1 Latrobe Health - Who We Are
2 Latrobe Health - Healthy Start Hospital Package
3 Latrobe Health - Who We Are
4 As above
5 Latrobe Health - Participating Private Hospitals (Feb 2023)
6 Latrobe Health - Hospital Cover
7 Latrobe Health - Extras Cover
8 Latrobe Health - Payment Options}