St.Lukes Health Combined Hospital and Extras Cover

Looking for hospital and extras cover? Find out what St.Lukes has to offer.

St.Lukes is a Tasmanian health fund, established in 1952 and now offering health insurance around Australia. In addition to standalone hospital and extras policies, it also offers a range of combined cover options.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

The package options

Some of the options are simply a convenient combination of the available hospital and extras policies, while others offer a higher level of cover than either could provide alone.

There are four tiers of cover, each of which has multiple policies and options for tailoring your cover.

The package tierThe hospital coverThe extras cover
BronzeMid or comprehensiveBasic only
SilverComprehensiveComprehensive
GoldComprehensiveComprehensive
PlatinumComprehensiveComprehensive or Top

Bronze packages

The three Bronze options are:

  • Packaged Budget 500 Level 1
  • Packaged Budget 500 Level 2
  • Packaged Bronze Plus
Bronze package hospital cover
Bronze 500 Level 1Bronze 500 Level 2Bronze Plus
Excess
  • $500
  • $500
  • $500
Covers all non-restricted procedures
  • Yes
  • Yes
  • Yes
Restricts any procedures?
  • Yes
  • Yes
  • No
Excess on same day hospitalisation?
  • Yes
  • Yes
  • No
Excess on overnight hospitalisation?
  • Yes
  • Yes
  • No

You are not covered for restricted procedures in private hospital. Bronze Plus does not restrict any procedures, while Level 1 and Level 2 both have different restrictions.

Bronze package extras cover

Each Bronze package covers the same range of extras services, but there are very slight differences in the benefits paid, with Bronze Level 2 paying out marginally less for certain services.

Bronze Level 1Bronze Level 2Bronze Plus
Preventative dental
  • Up to $500 per year
  • Up to $500 per year
  • Up to $500 per year
Major dental
  • No
  • No
  • No
Optical
  • Up to $200 per year
  • Up to $200 per year
  • Up to $200 per year
Physiotherapy
  • Yes
  • Yes
  • Yes
Ante/post-natal therapy
  • Yes
  • Yes
  • Yes
Eye therapy
  • Yes
  • Yes
  • Yes
Speech therapy
  • Yes
  • Yes
  • Yes
Alternative and natural therapies
  • Yes
  • Yes
  • Yes

Silver Packages

The two options available are the plain Silver package, or the Extended Silver package. They are identical, except the Extended package costs more and lets you cover children up to the age of 25, provided they are not married or in a de-facto relationship.

The plain Silver package only covers children up to the age of 23, under the same conditions.

Silver package hospital cover
Silver packageSilver Extended package
Excess
  • $500
  • $500
Covers all non-restricted procedures
  • Yes
  • Yes
Restricts any procedures?
  • Yes
  • Yes
Excess on same day hospitalisation?
  • No
  • No
Excess on overnight hospitalisation?
  • No
  • No
Dependent extension available?
  • No
  • Yes
Silver package extras cover
  • Up to $1,000 per person, per year, of preventative and general dental
  • Up to $1,500 per person, per year, of major dental
  • Up to $2,800 lifetime Orthodontics limit
  • Up to $300 per person, per year, of optical cover
  • Pharmacy
  • Physiotherapy
  • Ante/post-natal therapy
  • Podiatry
  • Eye therapy
  • Speech therapy
  • Psychology
  • Alternative and natural therapies
  • Home nursing
  • Health aids and appliances
  • Health management programs

Gold packages

See Silver tier package information to learn more about the Gold cover

St.Lukes Gold tier packages are identical to the Silver tier packages, with the exact same variations (plain and Extended), the exact same hospital cover, and identical extras cover.

The only differences are that the Gold cover costs more, and comes with a $300 excess instead of $500.

Platinum packages

There are four different Platinum tier packages available:

  • Platinum
  • Platinum Plus
  • Platinum Extended
  • Platinum Plus Extended

There is a $0 excess for all. The only differences between them are the level of extras cover, and whether they include the Extension option.

  • Extras cover: Top cover is more comprehensive than High cover.
  • Dependent Extension option: This costs more, but lets your policy cover dependent children up to the age of 25 instead of only 23, if they are not married or in a de-facto relationship.
Extras coverDependent extension option
PlatinumHighNo
Platinum PlusTopNo
Platinum ExtendedHighYes
Platinum Plus ExtendedTopYes
Platinum extras cover

Both High and Top extras cover the same range of services, but the Top extras policy pays substantially more for each major dental procedure, slightly more for other procedures, and has higher annual limits.

  • Other than the excess and cost, Platinum and Platinum Extended are identical to Silver packages in every way, including identical extras cover.
HighTop
General dental
  • $1,000 annual limit
  • $1,250 annual limit
Major dental
  • $1,500 annual limit
  • $2,000 annual limit
Orthodontics
  • $2,800 lifetime limit
  • $3,000 lifetime limit
Optical
  • $300
  • $350
Pharmacy
  • Yes
  • Yes
Physiotherapy
  • Yes
  • Yes
Exercise physiology
  • Yes
  • Yes
Podiatry
  • Yes
  • Yes
Occupational therapy
  • Yes
  • Yes
Eye therapy
  • Yes
  • Yes
Dietetics
  • Yes
  • Yes
Psychology
  • Yes
  • Yes
Home nursing
  • Yes
  • Yes
Health appliances and aids
  • Yes
  • Yes
Audiology
  • Yes
  • Yes
Diabetes education
  • Yes
  • Yes
Health management programs
  • Yes
  • Yes
Alternative and natural therapies
  • Yes
  • Yes

What are the benefits of St.LukesHealth packages?

Platinum Plus and Platinum Extended Plus packages are the only way to access the highest level of St.LukesHealth extras cover, which is not offered as a standalone option.

With Silver and above, you can also get comprehensive extras, equivalent to the highest standalone extras policy offered by St.LukesHealth.

The dependent extension option offered by St.LukesHealth may a useful way of finding health insurance to cover your children between the ages of 23 and 25, if they are not married or in a de-facto relationship.

What are the limitations, downsides and waiting periods?

It’s important to understand your cover before taking out a policy. In this case, you should note that the Silver, Gold and two of the Platinum packages are all very similar, in fact they are identical in every single way except for the cost, and the excess.

Cost per year ExcessMaximum excess per policy per year
Silver Package$3,495.50$500$1,000
Gold Package$3,202.50$300$600
Platinum Package$3,049.60$0$0

It’s worth noting that the cost difference between the Platinum and Silver package is over $400, and is almost as much as the excess.

Limitations of the general dental cover

Consider the limits, amounts paid and fine print in more detail.

ServicesPackaged Budget 500 Level 2 - The most basic extras availablePackaged Silver - Comprehensive-level extrasPlatinum Plus - The Top extras available
Annual limit
  • $500
  • $1,000
  • $1,250
Dental examinations
  • $33
  • 100% of dentist’s regular fee
  • 100% of dentist’s regular fee
Dental x-rays
  • Not covered
  • 100% of dentist’s regular fee
  • 100% of dentist’s regular fee
Scale and clean
  • Up to $54
  • 100% of dentist’s regular fee
  • 100% of dentist’s regular fee
Fissure sealing
  • Not covered
  • 100% of dentist’s regular fee
  • 100% of dentist’s regular fee
Simple tooth extractions
  • Up to $77
  • Up to $97
  • Up to $112
Mouthguard
  • Up to $65
  • Up to $90
  • Up to $105
Fillings
  • Up to $71
  • Up to $91
  • Up to $106

The limitations, such as a maximum of 2 dental examinations per year, mean it’s extremely difficult to come close to the annual limits with any level of cover. By themselves, the increasing annual limits do not necessarily reflect any actual improvement in the level of cover.

This is especially true for St.Lukes extras, because there is also a limit of 2 dental examinations per year. It’s unlikely that anyone would receive dental services without also having a dental consultation.

It’s also worth noting:

  • For services that pay out 100% of the dentist’s regular fee, there is a maximum amount for each service. St.LukesHealth does not specify what this maximum amount is.
  • The benefits paid are the maximum amounts. For example, if a dentist charges $77 for a tooth extraction, then all levels of cover will be able to pay for 100% of the cost.

How to make a claim

If you are attending a St.Lukes contract hospital, it will typically contact the health fund directly, and you will only need to pay the applicable excess or gap expenses to the hospital or practitioners.

To claim extras, you can swipe your St.LukesHealth membership card at participating providers, or can send in a claims form, use the health fund’s mobile app, make a claim online or visit a St.Lukes customer service centre in person.

How to pay your premiums

You can pay premiums through the following methods:

  • Direct debit
  • Payroll deduction
  • Over the counter at St.LukesHealth customer service centres
  • Over the phone
  • Online
  • With BPAY and Post Billpay

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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