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Latrobe Health ServicesLatrobe Health Services

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Latrobe Health Services

Emergency ambulance
Queensland Me and my partner Change your answers
$104.72†a month after the base-tier rebate (24.1%)
$138.00a month, as filed with the Ombudsman
How $104.72 is worked out
  • Premium as filed - $138.00 a month
  • Government rebate - 24.1% of the premium (never of the loading): -$33.28
  • A month - $104.72

Go to insurer no commission on this policy

Extras: what you get back

ServiceWaiting periodExample benefits, as filedLimits
General dental2 monthsCheck-up (item 012): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back$1,000 per person a year, $2,000 per policy a year (shared with other services)
Major dental12 monthsCrown (item 615): 60% back$1,000 per person a year, $2,000 per policy a year (shared with other services)
Root canal2 monthsRoot canal (item 417): 60% back$1,000 per person a year, $2,000 per policy a year (shared with other services)
Braces12 monthsBraces, upper and lower, with a retainer (item 881): $1500.00$500 per person a year, $1,500 lifetime, 1 appliance every 3 years
Glasses and contact lenses2 monthsSingle vision glasses: $200.00; Multifocal glasses: $200.00$200 per person a year
Prescriptions not on the PBS2 monthsPrescription: 60% back$300 per person a year, $600 per policy a year (shared with other services)
Physiotherapy2 monthsFirst visit: 60% back; Follow-up visit: 60% back$350 per person a year, $700 per policy a year (shared with other services)
Chiropractic2 monthsFirst visit: 60% back; Follow-up visit: 60% back$350 per person a year, $700 per policy a year (shared with other services)
Podiatry2 monthsFirst visit: 60% back; Follow-up visit: 60% back$300 per person a year, $600 per policy a year (shared with other services)
Psychology2 monthsFirst visit: 60% back; Follow-up visit: 60% back$300 per person a year
Acupuncture2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year (shared with other services)
Remedial massage2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year (shared with other services)
Hearing aids12 monthsHearing aid: 60% back$500 per person a year, 1 appliance every 5 years
Blood glucose monitors12 monthsBlood: 60% back$300 per person a year, $600 per policy a year, 1 appliance every 2 years
Audiology2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year (shared with other services)
Dietitian2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year
Exercise physiologynoneFirst visit: 60% back; Follow-up visit: 60% back$350 per person a year, $700 per policy a year (shared with other services)
Eye therapy (orthoptics)2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year (shared with other services)
Health management programs12 monthsBenefit: 60% back$100 per person a year, $300 per policy a year
Occupational therapy2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year (shared with other services)
Orthotics2 monthsBenefit: 60% back$300 per person a year, $600 per policy a year (shared with other services)
Osteopathy2 monthsFirst visit: 60% back; Follow-up visit: 60% back$350 per person a year, $700 per policy a year (shared with other services)
Speech therapy2 monthsFirst visit: 60% back; Follow-up visit: 60% back$200 per person a year, $400 per policy a year (shared with other services)
Vaccinations2 monthsVaccination: 60% back$300 per person a year, $600 per policy a year (shared with other services)

Not covered: Antenatal and postnatal, Chinese herbal medicine, Home nursing.

Other services, as filed: Periodic Oral Examination - 100% for 1 service, 60% for additional services. Scale and clean - 100% for 1 service, 60% for additional services. Fluoride Treatment - 100% for 2 services, limit 2 services per person per year. A benefit is also payable for myotherapy, Health Appliances & Aids, such as crutches, knee brace, splint, cam boot, CPAP or TENS machine, non surgically implanted prosthesis, health screenings and a 60% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. Vaccinations are for travel vaccines and must be approved by Latrobe.

Ambulance

Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.

This policy's other options

Every state, household and excess the insurer filed for this policy, with the premium before the rebate.

StateWho is coveredExcessA month, as filed
NSW Me and my partner None$148.00
NSW My family None$170.20
NSW My family, with adult children not studying None$207.20
NSW Just me None$74.00
NSW Me and my children None$111.00
NSW Me and my children, with adult children not studying None$140.60
NT Me and my partner None$122.00
NT My family None$140.30
NT My family, with adult children not studying None$170.80
NT Just me None$61.00
NT Me and my children None$91.50
NT Me and my children, with adult children not studying None$115.90
QLD Me and my partner None$138.00
QLD My family None$158.70
QLD My family, with adult children not studying None$193.20
QLD Just me None$69.00
QLD Me and my children None$103.50
QLD Me and my children, with adult children not studying None$131.10
SA Me and my partner None$137.00
SA My family None$157.55
SA My family, with adult children not studying None$191.80
SA Just me None$68.50
SA Me and my children None$102.75
SA Me and my children, with adult children not studying None$130.15
TAS Me and my partner None$126.00
TAS My family None$144.90
TAS My family, with adult children not studying None$176.40
TAS Just me None$63.00
TAS Me and my children None$94.50
TAS Me and my children, with adult children not studying None$119.70
VIC Me and my partner None$140.00
VIC My family None$161.00
VIC My family, with adult children not studying None$196.00
VIC Just me None$70.00
VIC Me and my children None$105.00
VIC Me and my children, with adult children not studying None$133.00
WA Me and my partner None$112.00
WA My family None$128.80
WA My family, with adult children not studying None$156.80
WA Just me None$56.00
WA Me and my children None$84.00
WA Me and my children, with adult children not studying None$106.40

Where this comes from

Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement C60/QDGD20, filed by Latrobe Health Services, issued 12 May 2026.

† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.

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