Latrobe Health
Registered as Latrobe Health Services · fund code LHS · Open membership
Also sold as Federation Health
Health insurance
Latrobe Health sells 702 open policies with hospital cover (660 hospital-only, 42 combined with extras, counting one per state and household type) in all states, grouped below into 17 products, of which 12 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Corporate Gold Hospital | Gold | Hospital | — | Limited | 38 | 0 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $271.23 – $678.09 |
| Complete Silver Plus Hospital 250 Excess | Silver Plus | Hospital | $250 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $270.26 – $730.25 | |
| Complete Silver Plus Hospital 500 Excess | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $230.27 – $669.30 | |
| Complete Silver Plus Hospital 750 Excess | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $208.10 – $644.29 | |
| Essential Silver Plus Hospital 500 Excess | Silver Plus | Hospital | $500 | None | 28 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $165.95 – $475.74 | |
| Essential Silver Plus Hospital 750 Excess | Silver Plus | Hospital | $750 | None | 28 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $144.41 – $440.34 | |
| Partner Silver Plus | Silver Plus | Hospital | $500 | None | 30 | 2 | Yes | CorporateAdd-on | All states | SCFPSingle, Couple, Family, Single parent | $246.72 – $748.38 |
| Silver Hospital 250 Excess | Silver | Hospital | $250 | None | 26 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $199.20 – $529.86 | |
| Bronze Plus Hospital 250 Excess | Bronze Plus | Hospital | $250 | None | 21 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $140.08 – $425.81 | |
| Bronze Plus Hospital 500 Excess | Bronze Plus | Hospital | $500 | None | 21 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $117.15 – $383.34 | |
| Bronze Plus Hospital 750 Excess | Bronze Plus | Hospital | $750 | None | 21 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $102.05 – $353.84 | |
| Bronze Hospital 500 Excess | Bronze | Hospital | $500 | None | 18 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $100.20 – $356.42 | |
| Bronze Hospital 750 Excess | Bronze | Hospital | $750 | None | 18 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $97.55 – $337.13 | |
| Basic Plus Active Hospital $750 | Basic Plus | Hospital | $750 | None | 10 | 3 | Yes | Add-on | VIC, QLD, SA, WA, TAS, NT | SCFPSingle, Couple, Family, Single parent | $69.05 – $350.10 |
| Basic Plus Top Hospital $750 | Basic Plus | Hospital | $750 | None | 12 | 3 | Yes | Add-on | VIC, QLD, SA, WA, TAS, NT | SCFPSingle, Couple, Family, Single parent | $70.56 – $357.76 |
| Partner Basic Plus | Basic Plus | Hospital | $750 | None | 9 | 3 | Yes | CorporateAdd-on | All states | SCFPSingle, Couple, Family, Single parent | $81.34 – $425.93 |
| Healthy Start (Basic) | Basic Plus | Combined | — | None | 0 | 38 | All states | SCFPSingle, Couple, Family, Single parent | $147.88 – $369.71 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 0 of 38 categories covered, 38 restricted, 0 not covered
Restricted Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Healthy Start (Basic) (Basic Plus, combined)
Cover profile 2 · 18 of 38 categories covered, 3 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Hospital 500 Excess (Bronze, hospital); Bronze Hospital 750 Excess (Bronze, hospital)
Cover profile 3 · 21 of 38 categories covered, 3 restricted, 14 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Plus Hospital 250 Excess (Bronze Plus, hospital); Bronze Plus Hospital 500 Excess (Bronze Plus, hospital); Bronze Plus Hospital 750 Excess (Bronze Plus, hospital)
Cover profile 4 · 9 of 38 categories covered, 3 restricted, 26 not covered
Covered Bone, joint and muscle, Dental surgery, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Miscarriage and termination of pregnancy, Skin, Sleep studies
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Tonsils, adenoids and grommets, Weight loss surgery
Products Partner Basic Plus (Basic Plus, hospital)
Cover profile 5 · 28 of 38 categories covered, 2 restricted, 8 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Essential Silver Plus Hospital 500 Excess (Silver Plus, hospital); Essential Silver Plus Hospital 750 Excess (Silver Plus, hospital)
Cover profile 6 · 26 of 38 categories covered, 3 restricted, 9 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery
Products Silver Hospital 250 Excess (Silver, hospital)
Cover profile 7 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Complete Silver Plus Hospital 250 Excess (Silver Plus, hospital); Complete Silver Plus Hospital 500 Excess (Silver Plus, hospital); Complete Silver Plus Hospital 750 Excess (Silver Plus, hospital)
Cover profile 8 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Corporate Gold Hospital (Gold, hospital)
Cover profile 9 · 30 of 38 categories covered, 2 restricted, 6 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Pregnancy and birth, Weight loss surgery
Products Partner Silver Plus (Silver Plus, hospital)
Cover profile 10 · 10 of 38 categories covered, 3 restricted, 25 not covered
Covered Bone, joint and muscle, Dental surgery, Diabetes management (excluding insulin pumps), Eye (not cataracts), Gynaecology, Joint reconstructions, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Sleep studies
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Gastrointestinal endoscopy, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Tonsils, adenoids and grommets, Weight loss surgery
Products Basic Plus Active Hospital $750 (Basic Plus, hospital)
Cover profile 11 · 12 of 38 categories covered, 3 restricted, 23 not covered
Covered Dental surgery, Diabetes management (excluding insulin pumps), Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Weight loss surgery
Products Basic Plus Top Hospital $750 (Basic Plus, hospital)
Extras profiles
Extras profile 1 · 10 services
Services Chiropractic, General dental, Major dental, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Podiatry, Remedial massage, Vaccinations
Products Healthy Start (Basic) (Basic Plus, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (2 products)
- Waiting profile 2: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (15 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/latrobe-health.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
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