Latrobe Health Services
21 open policies in the October 2026 data. Anyone can join.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Also sells policies as Federation Health.
latrobehealth.com.au, phone 1300 362 144
- Hospital
- 10
- Hospital and extras
- 1
- Extras
- 10
- Closed to new members
- 36
How its premiums compare in NSW & ACT
Latrobe Health Services's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital and extras$147.8810th cheapest of 15
- BronzeHospital only$131.9210th cheapest of 21
- SilverHospital only$168.6110th cheapest of 21
- Basic. Its cheapest single Basic hospital and extras policy in NSW & ACT is Healthy Start (Basic), at $147.88 a month before the rebate with no excess: 10th cheapest of 15 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Hospital, at $131.92 a month before the rebate with a $750 excess: 10th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Essential Silver Plus Hospital, at $168.61 a month before the rebate with a $750 excess: 10th cheapest of 21 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 5 corporate policies are included; they are sold through employers and associations.
- NSW & ACT$131.92 to $292.10
- VIC$131.20 to $287.02
- QLD$131.44 to $285.66
- SA$124.29 to $273.07
- WA$97.55 to $271.23
- TAS$126.60 to $283.77
- NT$69.05 to $283.77
- NSW & ACT$147.88
- VIC$147.88
- QLD$147.88
- SA$147.88
- WA$147.88
- TAS$147.88
- NT$147.88
- NSW & ACT$26.30 to $159.00
- VIC$27.11 to $153.00
- QLD$26.58 to $153.00
- SA$24.58 to $153.00
- WA$19.26 to $143.00
- TAS$21.54 to $143.00
- NT$25.85 to $148.00
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $131.92 to $292.10 | $147.88 | $26.30 to $159.00 |
| VIC | $131.20 to $287.02 | $147.88 | $27.11 to $153.00 |
| QLD | $131.44 to $285.66 | $147.88 | $26.58 to $153.00 |
| SA | $124.29 to $273.07 | $147.88 | $24.58 to $153.00 |
| WA | $97.55 to $271.23 | $147.88 | $19.26 to $143.00 |
| TAS | $126.60 to $283.77 | $147.88 | $21.54 to $143.00 |
| NT | $69.05 to $283.77 | $147.88 | $25.85 to $148.00 |
What Latrobe Health Services covers, and what it pays back
Hospital
Leaving out the three it sells through employers, Latrobe Health Services has eight policies with hospital cover. They come with no excess or one of $250, $500 or $750. Six of the eight drop the excess for children on the policy, and two of the eight if you're admitted after an accident. Seven of the eight offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All eight cover emergency ambulance trips only.
Extras
Not counting the two it sells through employers, Latrobe Health Services has nine policies with extras, covering anywhere from 10 to 25 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $42.00typical policy $35.20
- $75.00typical policy $66.85
- $680.00typical policy $773.80
- $250.00typical policy $220.00
- $50.00typical policy $42.00
- $90.00typical policy $75.00
Its highest yearly limits for a single
- General dental$1,000typical policy $800
- Major dental$1,000typical policy $1,000
- Optical$250typical policy $220
- Physiotherapy$550typical policy $450
- Chiropractic$550typical policy $400
- Psychology$450typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 10
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus Active HospitalOnly sold with particular other policies | Basic Plus | $69.05NT | VIC, QLD, SA, WA, TAS, NT | $750 |
| Basic Plus Top HospitalOnly sold with particular other policies | Basic Plus | $70.56NT | VIC, QLD, SA, WA, TAS, NT | $750 |
| Partner Basic PlusCorporateOnly sold with particular other policies | Basic Plus | $81.34NT | All | $750 |
| Bronze Hospital | Bronze | $97.55WA | All | $500, $750 |
| Bronze Plus Hospital | Bronze Plus | $102.05WA | All | $250, $500, $750 |
| Silver Hospital | Silver | $199.20WA | All | $250 |
| Essential Silver Plus Hospital | Silver Plus | $144.41WA | All | $500, $750 |
| Complete Silver Plus Hospital | Silver Plus | $208.10WA | All | $250, $500, $750 |
| Partner Silver PlusCorporateOnly sold with particular other policies | Silver Plus | $246.72WA | All | $500 |
| Corporate Gold HospitalCorporate | Gold | $271.23NSW & ACT | All | $0 |
Hospital and extras policies 1
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Healthy Start (Basic) | Basic Plus | $147.88NSW & ACT | All | $0 |
Extras policies 10
| Policy | From | Sold in | Services |
|---|---|---|---|
| Basic Extras | $19.26WA | All | 10 |
| Core Essential ExtrasOnly sold with hospital cover | $30.17WA | All | 11 |
| Core Complete Extras PackageOnly sold with hospital cover | $42.27WA | All | 24 |
| Core Complete Extras | $46.04WA | All | 24 |
| Boost Complete 60% ExtrasOnly sold with particular other policies | $56.00WA | All | 24 |
| Partner Balance 60% ExtrasCorporateOnly sold with particular other policies | $59.36WA | All | 24 |
| Core Families Extras | $70.12Single parent, SA | All | 14 |
| Premier Singles and Couples Extras | $81.58WA | All | 23 |
| Partner Balance 85% ExtrasCorporateOnly sold with particular other policies | $143.00WA | All | 24 |
| Premier Families Extras | $144.65Single parent, WA | All | 25 |
Latrobe Health Services also has 36 older policies (1,029 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Latrobe Health Services
- Who can join Latrobe Health Services?
- Anyone can join. Latrobe Health Services sells 21 policies to new members (10 hospital-only, 1 combined and 10 extras-only), going by the October 2026 data.
- How much is Latrobe Health Services hospital cover?
- Its cheapest hospital policy for a single is $97.55 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does Latrobe Health Services pay for a dental check-up?
- Up to $42.00 for a check-up (dental item 012) on its Premier Families Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.