Get clear, simple guidance on choosing the right hospital cover—understand tiers, costs, inclusions, waiting periods, and government incentives like LHC and age‑based discounts.

Access Gap Cover helps Latrobe Health members reduce or eliminate out‑of‑pocket costs for in‑hospital medical services, offering no‑gap or capped known‑gap fees, simplified billing, and clear up‑front cost estimates for eligible procedures.

Discover practical ways to save on health insurance - from rate protection and cover reviews to rebates, optical offers, and smart hospital planning.

Switching health insurance to Latrobe Health is easy. Keep waiting periods, maintain Lifetime Health Cover Loading, retain age‑based discounts, and enjoy supported hospital cover transfers

Latrobe Health supports thousands of free Shane Warne Legacy Health Checks at the 2025 Boxing Day Test

Latrobe Health Services has been recognised as one of Australia’s leading health insurers, receiving multiple national awards for customer satisfaction and value. In its 75th year, the regional not-for-profit has earned top honours from Canstar, Finder and WeMoney, reflecting its commitment to member-first service and quality cover.

Latrobe Health Services & Shane Warne Legacy – free health checks changing lives, across Australia

We’ve listened to your feedback, and we’re excited to announce the launch of a new feature on the Latrobe Health app. You can now claim on extras using a QR Code in the app. No need to carry your physical card!