i am with Latrobe, and have been for all my adult life (near on 13 years since i came off my folks - and they were with them at least five years prior)

never ever had a problem claiming with them
have hospital, and extras with them, (and have contents, cars etc through them as well)

they are based locally here so we can go into a branch if need be- if they can't answer your enquiry on the phone immediately, they follow it up and get back to you. they use hicaps so you get full coverage at some hospitals, minimal gap at others.

they also do fortnightly direct debit for payment with no extra fees.



a friend of mine was working as a team leader at iselect until recently - she got a staff member to run a comparison of what they could offer vs what i had, fees etc - and they couldn't compete at all.