Latrobe Health Services (LHS)

Latrobe Health Services is an Australian-owned not-for-profit registered private health insurer established in 1951 known for its commitment to members and being a health fund that gives back to its community.

Today, Latrobe Health Services is one of Australia’s largest not-for-profit private health insurers who provides cover to more than 81,000 Australians.

Latrobe Health exists solely for the benefit of our members, providing choice for those needing to
access health care.

Latrobe Health’s annual premium rate increase has been lower than the industry average for 14 of the past 20 years.

This information is provided by the insurer

Latrobe Health Services provide further information regarding:

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.

Business Structure

This insurer is a mutual organisation that operates on a not-for-profit basis.

Latrobe Health Services operates in all states and territories.

Latrobe Health Services polices are sold under a number of different brands, including:

  • Federation Health

Performance

The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.

Ombudsman complaints compared to market share
All complaints 0.8% 0.7% market share
Investigated complaints 0.9%
Health Insurer Retention and Finances Industry result
Member retention (hospital cover) 78% 86%
Benefits as % of contributions 89.1% 85.4%
Management expenses % of contribution income 13.8% 9.5%
Management expenses per average policy $560 $358
Coverage ACT NSW VIC QLD SA WA TAS NT Australia
Hospital Related Charges Covered 83.4% 89.4% 91.5% 88.0% 92.5% 87.7% 89.4% 83.0% 91.2%
Industry Result 83.1% 89.7% 91.9% 90.3% 93.9% 93.0% 93.4% 90.0% 91.0%
Medical Services with No Gaps 64.7% 80.7% 79.1% 83.4% 87.3% 69.6% 73.9% 67.3% 79.4%
Industry Result 78.1% 89.8% 88.8% 89.7% 90.7% 87.6% 91.6% 88.5% 89.3%
Medical Services with No or Known Gaps 98.2% 98.7% 99.8% 98.6% 100% 98.0% 98.9% 100% 99.7%
Industry Result 92.7% 96.5% 97.6% 96.8% 99.1% 97.0% 98.2% 96.2% 97.1%
General Treatment (extras) Covered 34.1% 43.1% 38.7% 42.7% 47.3% 45.0% 36.4% 41.4% 39.4%
Industry Result 47.7% 50.1% 51.7% 53.4% 56.7% 56.6% 54.1% 58.8% 52.6%
Private Hospital Agreements 5 79 74 47 18 18 9 1 -
Industry Maximum 6 99 84 61 27 28 9 2 -
Day Hospital Agreements 6 55 62 36 17 13 8 1 -
Industry Maximum 11 108 94 64 35 39 9 2 -
Address:
32 Darlimurla Avenue
Newborough
VIC 3825
Phone: