Make the SWITCH today

Choose your policy

Compare our products and choose a level of cover that suits you. If you need help, click on the web chat button or call us.

1300 362 144.

We will do the paperwork

When you join Latrobe Health we'll ask you about your current cover and contact your old fund on your behalf to arrange the transfer

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Enjoy the benefits

Once we've got your completed paperwork from your previous health fund, you can use your cover without re-serving wait periods^^.


^^ We recognise any waiting periods you served with your previous health fund. When switching to Latrobe Health on an equivalent or lower level of cover within 30 days of cover end date with old health fund, provided you already served your waiting period. You can use your cover with Latrobe Health after your previous insurer sends us your clearance certificate.




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Understanding Private Health Insurance


Hospital Cover

Helps pay for a range of treatments when you're admitted to hospital. Hospital cover gives you access to private hospitals, choice of health practitioners, and avoiding public hospital wait lists.


Extras Cover

Helps pay for a range of everyday healthcare treatments and products that Medicare doesn't cover such as dental, glasses, massage and more.


Combined Cover

Includes both hospitals and extras cover. Benefit from both types of insurance under one policy that covers a range of healthcare treatments both in and out of hospital.



Health Insurance Limits

Extras benefit limits place a cap on the amount you can claim. They typically reset every 12 months.


Waiting periods

Waiting periods apply to both extras and hospital policies. You will need to serve these before using the service and making a claim when you first join or increase your level of cover.



Switching health funds is quick and easy. Depending on your current excess level, you can transfer your waiting periods from your old policy to your new one so you can get started on claiming without having to wait.


Government Rebate

The private health insurance rebate makes health insurance cheaper for most people. Your exact rebate is determined by your age and income.


Lifetime Health Cover

The Lifetime Health Cover loading (LHC) kicks in if you don't have private hospital cover by age 31. You'll pay 2% extra for each year you're uninsured when you eventually get it.


Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is an income tax of up to 1.5% for high-income earners who do not have the appropriate level of private hospital cover. MLS is in addition to the Medicare Levy and is payable at tax time each year.

News and stories

The new Latrobe Health Online Account and app is here

We’ve listened to your feedback, and we’re excited to announce the launch of a new Latrobe Health Online Account and app. These will replace the current Online Member Services and mobile app. As of June 2024, you can manage your health cover on the go and access a wide range of new features.

Fresh veggie tofu wraps

Looking for the ultimate school lunchbox star or a healthy and delicious work lunch? Look no further than our recipe for Fresh Veggie Tofu Wraps!

Why choose Latrobe


Member satisfaction

Here at Latrobe Health, we take member satisfaction seriously. We're always working to improve what we do, for our member.


Low premiums

We work hard to keep our premiums low. We're also proud to invest in our members and community.


Easy switching

When you switch to Latrobe, we recognise any waits you've served with your previous fund and will do the paperwork for you.


Not for profit

We're here for our members, not to make profits. Around 90c in every dollar we receive is used to pay our members' claims.

Award winning health insurance

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