St.LukesHealth extras only cover review

What do you get with St.LukesHealth extras plans?

Based in Tasmania, St.LukesHealth has provided health insurance and extras cover nationwide to Australians since 1952. Read on to find out more about what's covered in their extras-only plans.

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 extras cover options

The St.LukesHealth extras options are Budget Extras and Super Extras. Here's what's covered under each:

Budget Extras annual limitsSuper Extras annual limits
General dental
  • $1,000
  • $500
Preventative dental
  • $1,000
  • No
Major dental
  • $1,500
  • No
Orthodontics
  • $2,800 lifetime limits. Counts towards major dental annual limit.
  • $200
Optical
  • $300
  • $200
Pharmacy
  • $600
  • No
Physiotherapy
  • $850
  • $500
Alternative therapies
  • $500
  • $500
Eye therapy
  • $1,000
  • $500
Speech therapy
  • $1,000
  • $500
Occupational therapy
  • $1,000
  • No
Podiatry
  • $1,000
  • No
Dietetics
  • $1,000
  • No
Clinical psychology
  • $400
  • No
Home nursing
  • $500
  • No
Health aids and appliances
  • $1,000
  • No
Audiology
  • $40 per consultation, 2 per year
  • No
Health management programs
  • $100 for singles, $200 for couples and families
  • No

Why are the pros of St.Luke’s extras cover?

St.Lukes Super Extras is focused around dental and optical cover. Some of these features include:

  • No optical sublimits except for frame repairs. Giving you more flexibility in claiming glasses or contact lenses.
  • No gap preventative dental services. Available at a dentist of your choice.
  • A 5% increase in your dental benefits paid. and annual dental limits, after five continuous years of Super Extras cover.
  • A 12 month waiting period for major dental procedures. This is less than many other health funds. If you’re looking at dental health insurance for specific procedures, Super Extras may be able to pay for itself in the second year of cover.

If you don’t plan on using natural therapies like acupuncture, but want cover for chiropractic and osteopathy, you might get more value for money with Super Extras. It counts chiropractics and osteopathy towards the natural therapies annual limits rather than a physical therapies limit.

By combining Super Extras with standalone hospital cover, members can also get benefits for approved health management programs. However, this benefit is very commonly available with extras policies from other Australian health funds.

What are the cons? What are the limitations and waiting periods?

Compared to even the most basic policies offered by other health funds, St.Lukes budget extras cover has a limited level of dental cover.

It doesn’t include preventative dental cover meaning you might pay entirely out of pocket for dental x-rays, dental teeth cleaning and fissure sealing. The only preventative dental service you’re covered for is a general dental consultation but this is limited to twice a year.

You’re able to claim up to $500 per year for general dental under St.Lukes budget extras cover, but with the limited services available and low benefits paid it’s almost impossible to reach that limit.

If you’re considering St.Lukes budget extras cover it’s also worth noting that it doesn’t include basic services such as chiropractic and osteopathy that are usually found in similar plans.

Although St.Luke Super Extras offers much more than Budget Extras, the benefits payable for individual services, range of services covered and annual limits are still low when compared to comprehensive plans offered by many other Australian health funds.

Waiting limits apply as follows:

  • 36 months. Hearing aids.
  • 12 months. Major dental, psychology, health appliances and aids.
  • 6 months. Optical.
  • 2 months. Everything else.

How can I make a claim?

When you attend a practitioner with HICAPS facilities you can make claims electronically by swiping your membership card and paying the difference.

Alternatively, you can claim through the St.LukesHealth app or at St.Lukes customer service centres.

How can I pay my premiums?

You can pay premiums through:

  • Direct debit
  • Payroll deduction
  • Over the phone with a credit card
  • Online
  • BPAY and Postbillpay

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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