Latrobe Health Services

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About Latrobe Health Services?

What is Latrobe Health Services?

Latrobe Health Services is a private health insurer that operates as an open health fund. 

Background 

Latrobe Health Services was established in 1950 by power workers to make hospital and ambulance care affordable for people living in the Latrobe Valley.

The insurer now has more than 81,000 members across Australia.

Who can join Latrobe Health Services?

Anyone can join Latrobe Health Services because it is an open health fund.

What products does Latrobe Health Services offer? 

Latrobe Health Services offers:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover.

Do Latrobe Health Services policies include Ambulance Cover?

Since 1 April 2021, LaTrobe Health Services has included emergency Ambulance Cover with:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover.

Does Latrobe Health Services offer corporate policies?

Yes. Latrobe Health Services provides corporate policies to certain organisations. Search your organisation’s website or intranet to find out whether a corporate health insurance policy is available to you, and what conditions apply.

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Is Latrobe Health Services a not-for-profit health insurer?

Yes. Latrobe is a not-for-profit health insurer.

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Does Latrobe Health Services operate in all Australian states and territories?

Yes. Latrobe Health Services operates in all Australian states and territories.

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Does Latrobe Health Services sell its health insurance policies under other brands?

Yes. Latrobe Health Services sells policies under the Federation Health brand.

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How does Latrobe Health Services Hospital Cover compare with other insurers?

Benchmark	Latrobe	Industry average
Member retention for Hospital Cover	77.8%	86.9%
% hospital-related charges covered	89.8%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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Does Latrobe Health Services have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Latrobe Health Services has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	78	98
NT	1	2
QLD	47	60
SA	16	23
TAS	9	9
VIC	72	76
WA	18	24

Latrobe Health Services also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	6	9
NSW	54	103
NT	1	2
QLD	35	57
SA	16	30
TAS	8	8
VIC	61	79
WA	12	24

Source: LaTrobe Health Sevices: performance

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How does Latrobe Health Services Extras Cover compare with other insurers?

Benchmark	Latrobe	Industry average
% Extras Cover charges covered	40.2%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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How does Latrobe Health Services compare with other private health insurers?

Benchmarks	Latrobe	Industry average
Market share	0.7%	–
% services with no gap	75.3%	88.3%
% services with no gap or where known gap payment made	99.5%	97.2%
Market share of complaints to the PHIO	0.7%	3.1%
% complaints investigated by the PHIO	0.0%	3.1%
Benefits as a % of contributions	79.0%	80.5%
Management expenses as a % of contribution income	19.6%	13.1%
Management expenses per average policy	$845	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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Is Latrobe Health Services a member of any industry organisations?

Yes. Latrobe Health Services is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.

It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

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Does Latrobe Health Services let you claim online or via an app?

Yes. Latrobe allows you to make a claim online via the Latrobe Health Services app.

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How to contact Latrobe Health Services

Phone:

1300 362 144

Website:

https://www.latrobehealth.com.au/

Email:

info@lhs.com.au

Address:

32 Darlimurla Avenue
NEWBOROUGH VIC 3825

Postal address:

Reply Paid 41
MORWELL VIC 3840

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