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.
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 policies are sold under a number of different brands, including:
- Federation Health
Performance
This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported for states in which the insurer does not have a large membership.
| Ombudsman complaints compared to market share | ||
|---|---|---|
| All complaints | 0.7% | 0.7% market share |
| Investigated complaints | 0% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 77.8% | 86.5% |
| Benefits as % of contributions | 79.0% | 81.1% |
| Management expenses % of contribution income | 19.6% | 10.8% |
| Management expenses per average policy | $845 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 83.2% | 87.4% | 90.1% | 87.2% | 90.5% | 89.9% | 90.0% | 78.7% | 89.8% |
| Industry Result | 81.8% | 88.7% | 90.5% | 88.9% | 92.6% | 92.4% | 92.4% | 88.6% | 89.9% |
| Medical Services with No Gaps | 59.8% | 78.5% | 75.0% | 76.0% | 83.1% | 74.9% | 65.8% | 75.9% | 75.3% |
| Industry Result | 75.6% | 89.3% | 87.3% | 87.8% | 89.0% | 88.9% | 91.2% | 86.7% | 88.3% |
| Medical Services with No or Known Gaps | 96.0% | 98.6% | 99.7% | 97.7% | 99.3% | 99.8% | 99.2% | 97.6% | 99.5% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 37.2% | 43.4% | 39.5% | 42.0% | 46.3% | 43.0% | 35.2% | 46.5% | 40.2% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 5 | 92 | 70 | 50 | 18 | 21 | 8 | 1 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 8 | 86 | 69 | 45 | 22 | 19 | 7 | 2 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |
Newborough
VIC 3825