Compare Latrobe Health Services health insurance


A nonprofit health fund that was established in 1951.

Fund information


Latrobe Health Services summary

Is Latrobe Health Services nonprofit? 

Does Latrobe Health Services get many complaints from members? 

How good is Latrobe Health Services' gap cover? 

How many hospital agreements does Latrobe Health Services have in my state? 

Does Latrobe Health Services offer any discounts?

Does Latrobe Health Services offer ambulance cover?

Does Latrobe Health Services let you claim online or in-app?

What CHOICE Community says about Latrobe Health Services


Latrobe Health Services summary

Latrobe

A nonprofit health fund established in 1951, today Latrobe has about 85,000 members. It is part of Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Latrobe Health Services contact details

Phone: 1300 362 144

Email: info@lhs.com.au

Website: latrobehealth.com.au


Is Latrobe Health Services nonprofit?

Yes.


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Does Latrobe Health Services get many complaints from members?

Latrobe Health Services complaints rating: Low

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

Latrobe accounts for...

0.7% of the health insurance market

0.4% of all complaints about benefit payments

0.1% of all complaints about service

0.4% of all complaints that are escalated to investigations.

How good is Latrobe Health Services' gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Latrobe Health Services covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

Below average

Victoria (Vic)

Average

Queensland (Qld)

Average

South Australia (SA)

Average

Western Australia (WA)

Average

Tasmania (Tas)

Below average

Northern Territory (NT)

Below average

Percentage of medical services covered with no gap

New South Wales (NSW)

Latrobe Health Services – 75.7%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Latrobe Health Services – 50.8%

Industry average – 76.7%

Victoria (Vic) 

Latrobe Health Services – 79.9%

Industry average – 85.0%

Queensland (Qld) 

Latrobe Health Services – 81.4%

Industry average – 85.1%

South Australia (SA) 

Latrobe Health Services – 76.7%

Industry average – 86.8%

Western Australia (WA) 

Latrobe Health Services – 76.3%

Industry average – 90.1%

Tasmania (Tas) 

Latrobe Health Services – 68.0%

Industry average – 83.0%

Northern Territory (NT) 

Latrobe Health Services – 58.0%

Industry average – 80.1%

How many hospital agreements does Latrobe Health Services have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Latrobe Health Services has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Latrobe Health Services has

ACT

6 private hospital agreements out of an industry maximum of 7

5 day hospital agreements out of an industry maximum of 8

NSW

75 private hospital agreements out of an industry maximum of 100

53 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

51 private hospital agreements out of an industry maximum of 58

30 day hospital agreements out of an industry maximum of 53

SA

22 private hospital agreements out of an industry maximum of 27

14 day hospital agreements out of an industry maximum of 28

Tas

6 private hospital agreements out of an industry maximum of 8

6 day hospital agreements out of an industry maximum of 6

Vic

75 private hospital agreements out of an industry maximum of 79

62 day hospital agreements out of an industry maximum of 79

WA

18 private hospital agreements out of an industry maximum of 23

13 day hospital agreements out of an industry maximum of 29

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Does Latrobe Health Services offer any discounts?

Discount for direct debit: 2% for weekly to half-yearly direct debits and 4% for annual direct debit payments

Discount for annual prepay: 4% (not in addition to above)

Total discount for annual prepay via direct debit: 4%


Does Latrobe Health Services offer ambulance cover?

Latrobe Health Services doesn't cover emergency ambulance in Victoria, Western Australia, Northern Territory or South Australia.

Refund on ambulance subscriptions: Premier Gold / Premier Silver, Family Care Gold 100%, Premier Family $44, Single $22, Family Care $44.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does Latrobe Health Services let you claim online or in-app?

No.


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What CHOICE Community says about Latrobe Health Services

CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Latrobe Health Services to share your experiences or gain more insights into this health fund.