St.LukesHealth is a not-for-profit fund designed with the community in mind. Since it was established in 1952, St.LukesHealth has merged with a number of like-minded funds.
From 2016 to 2019 it was voted number one Australia-wide for customer satisfaction by Roy Morgan Research.
St.LukesHealth offers seven hospital plans, starting with a Basic Plus policy through to premium Gold plan with tiered levels of excess. Three straightforward extras policies are also available.
Members who remain on top extras cover for five years receive a 5% increase on dental benefits and annual limits as a reward for their loyalty.
Nobody chooses to go to hospital. But when you do, appropriate hospital cover will help you get the treatment you need, where and when you want it. It also helps to pay the bills, as fees for hospital rooms and specialists can add up.
Think about what services you’re likely to need, in line with your budget. If you earn over $90,000 individually or $180,000 as a couple, taking out appropriate hospital cover may avoid paying the Medicare Levy Surcharge.
St.LukesHealth offers seven hospital plans at a variety of costs, with flexible excess options to choose from. From Basic Plus plans to Gold cover with no exclusions, the Tasmanian fund offers a wide range of options.
Emergency ambulance cover is included on all hospital policies after a one-day waiting period.
From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%.
While we’ve summarised the key points of each plan below, it’s always worth digging a little deeper into any gap fees, how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.
Take the time to work out what you need and what you’re prepared to pay. If this feels a bit overwhelming, you can speak to one of our experts who can talk you through what’s included in each extras policy.
St.LukesHealth offers a choice of three extras policies – from basic plans to cover common procedures and a comprehensive plan to cover an extensive range of services. All extras packages can be combined with hospital cover policies.
To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods. Generally, the more expensive the treatment, the longer you’ll wait. But keep an eye out for special deals with waiting periods reduced or waived.
St.LukesHealth offers a loyalty incentive for members who have held top extras cover for five years. They receive a 5% increase in dental benefits and annual dental limits.
Claim on the spot through the HICAPS app or payment system at your provider. You can also claim through the St.LukesHealth Connect app or online hub. Or drop your claim form into any Customer Care Centre or send by post.
St.LukesHealth has agreements with most private hospitals and day clinics across Australia. When comparing policies, it’s worth checking if your local hospitals and clinics are covered. Our specialists at Health Insurance Comparison can do this for you.
St.LukesHealth received 3 complaints from 1 January to 30 March 2020. That’s 0.4% of complaints vs 0.5% market share. The company has won four consecutive Roy Morgan awards for customer satisfaction.
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