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Compare Latrobe Health Services health insurance

How Latrobe Health Services rates for member complaints, gap cover and ambulance.

CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Who is Latrobe Health Services?

Latrobe is a nonprofit health fund established in 1951 and today it has about 85,000 members. It's also part of Members Health, an alliance of nonprofit and mutual health funds.

Phone: 1300 362 144


Does Latrobe Health Services get many complaints from members?

Latrobe Health Services has a Low complaints rating.

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.

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

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

How many hospital agreements does Latrobe Health Services have in each 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.

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%.

Youth discounts: Offered on some Basic, Bronze Plus and Gold policies, and these are transferable (meaning you can transfer a discount from another fund to one of these policies.)

Does Latrobe Health Services offer ambulance cover?

Latrobe Health Services doesn't cover emergency ambulance in Victoria, Western Australia, the 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.

Does Latrobe Health Service offer family policies that cover adult children?

  • Adult children are covered on family policies for free until they turn 21.
  • Full-time students are covered on family policies for free until they turn 32.
  • Adult children younger than 32 can be covered on extended family policies for an extra cost. 

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


We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.

Stock images: Getty, unless otherwise stated.