Finalist for Best Health Insurance - Gold Hospital 2023
With a proven track record of meeting the needs of its policyholders, and a focus on providing services that deliver better health outcomes for its members, St.LukesHealth's top hospital and budget cover protects you when you need it most. Tasmanian Members Own Health Fund St.LukesHealth offers has a loyal membership base across all states and territories in Australia.
Who is St.LukesHealth?
St.LukesHealth is a non-profit health fund that focuses on offering the products and services its members need. Founded in Tasmania in 1952, St.LukesHealth offers an extensive selection of hospital cover, extras cover and combined policies to meet the unique insurance needs of a variety of Australians. In 2016, 2017 and 2018 they were voted number one Australia-wide for customer satisfaction by Roy Morgan Research.
As a Members Own Health Fund, St.LukesHealth aims to offer its members cover at an affordable price. With cover for singles, couples and families, it has cover options to suit everyone from the young, fit and healthy who only want basic protection right through to families that want the highest level of cover available.
What health insurance options are available?
It offers comprehensive hospital cover, two levels of extras cover to suit various budgets, and four different packaged cover options to give all-round protection.
Joining St.LukesHealth can be done quickly and easily online. All you'll need to know in order to apply is your medicare number, bank account or credit card details and your previous health fund details.
Hospital cover
Vital Bronze +. This hospital policy covers more than what is required of a Bronze policy, including blood treatments, dental surgery and lung/chest surgery. It comes with your choice of a $500 or $750 excess.
Young Silver +. This is basically a Silver policy with added cover for pregnancy and assisted reproductive services. You can choose an excess of either $250 or $500.
No Obstetrics Silver +. This hospital cover is basically a Gold policy without cover for pregnancy, assisted reproductive services or weight loss surgery. You can choose an excess of $250 or $500.
Superior Gold. This hospital policy fully covers all 38 clinical categories of hospital treatments with your choice of a $0, $300, $500, $750 or $1,000 excess.
Extras cover
Super Extras. Super Extras is the top standalone extras cover option from St.LukesHealth. It offers gap-free preventative dental cover and also covers the cost of general and major dental, orthodontics, pharmacy, optical, chiro, osteopathy, acupuncture, natural therapies, clinical psychology, home nursing, health appliances and aids, audiology and more.
Budget Extras. This entry-level policy offers a basic level of extras cover. It covers general dental, optical, physio, eye therapy, speech therapy, acupuncture and natural therapies.
What St.LukesHealth Combined Hospital and Extras Cover are available?
St. LukesHealth offers only top tier comprehensive Hospital and Extras Cover. Here are the combined policies they offer:
Packaged Vital Bronze +. This package is simply the Vital Bronze+ policy above combined with a wide range of extras treatments including general dental, major dental, optical, a few therapies, home nursing, psychology and more. You can choose a $500 or $750 excess.
Packaged Young Silver +. This is Young Silver + policy with extras cover that offers treatments for general dental, major dental, pharmacy, optical, a few therapies, psychology and audiology. You can choose an excess of $250 or $500.
Packaged No Obstetrics Silver +. This is the No Obstetrics+ hospital policy with extras cover that includes general dental, major dental, psychology, a range of therapies, health appliances and a few more. You can choose an excess of $250 or $500.
Packaged Superior Gold. This package includes a Gold policy plus a comprehensive range of extras benefits including general dental, major dental, optical, pharmacy, a range of therapies, psychology and more. You can choose an excess of $0, $300, $500 and $750. The $1000 excess is not available in the combined policy.
Packaged Ultimate Gold. This is a Gold policy with the highest level of extras benefits you can get from St.LukesHealth. There is no excess.
Information on tiers
As of April 1, 2019 all St.LukesHealth hospital products have been renamed under the product tiers specified by the government (Gold, Silver, Bronze and Basic).
St.LukesHealth's hospital policies have no restricted cover, and include cover for all 38 clinical categories, so each policy falls under the Gold tier.
Member offers
St.LukesHealth gives several additional benefits to their members.
Gap free preventative dental. Members can enjoy 100% cover for their dentist's regular service fee for preventative dental.
Family cover. Your dependent children are covered up to 23 years of age under your policy, or up to 25 years of age if they are single and a full-time student.
No excess for children. You won't have to pay an excess when a dependent child is admitted to hospital.
Member Rewards. Members who have held St.LukesHealth top extras cover for five years or more receive a 5% increase in their dental benefits and annual dental limits.
Australia-wide. St.LukesHealth offers cover to members Australia-wide and premium amounts are the same in every state.
Optical discounts. Members can enjoy a range of optical and eyewear discounts thanks to St.LukesHealth's partnerships with Specsavers, Eyelines, OPSM and Total Eyecare.
Insurance discount. Thanks to St.LukesHealth's partnership with MyState, members can enjoy a 10% discount on home and contents insurance. Also, members of Tasplan Superannuation Fund are eligible for a 5.0% discount
How to make a claim
There are several options at your disposal when you need to make a claim with St.LukesHealth. Hospital claims and inpatient medical claims should be sent straight to St.LukesHealth by your provider, but when you need to make an extras claim you can choose from the following options:
Swipe your St.LukesHealth at the provider to have your benefits automatically deducted from your health care bill.
The St.LukesHealth Health mobile app allows you to enter your details, take a photo of your receipt and then submit your claim.
St.LukesHealth also participates in the Health Industry Claims and Payment Service (HICAPS) as well as HICAPS Go.
Visit a St.LukesHealth office or claims agent to have your benefit paid in person. You'll need to present your membership card.
You can download the claim form from the health fund's website, fill it out and submit it by mail.
In cases where you have already paid a provider, you can have your benefit payment deposited directly into your bank account.
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Frequently asked questions
St.LukesHealth is a non-profit health fund focusing on providing the products and services its members need.
Yes, on a family membership, child dependents include children under 23 and both full and part-time students under 25 who are not married or living in a de facto relationship.
Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance. See full bio
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
James's expertise
James has written 247 Finder guides across topics including:
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
