Is St Lukes Health Insurance Right for You? Review 2025
Our expert's opinion on St Lukes
ScoreSt Lukes Private Health Insurance offers a robust set of hospital and extras cover options, with its Packaged Ultimate Gold plan providing comprehensive hospital plus extras cover and no hospital excess. Multiple hospital tiers (Gold, Silver, Bronze) allow flexibility on excess and coverage scope, while extras like Super and Wellbeing give strong dental, optical, therapies, and pharmacy benefits—annual dental limits up to $1250 and optical up to $350. St Lukes stands out for generous no-gap preventative dental via its network, Member Reward program, and benefits like telehealth, digital health records and pregnancy support. Pricing is competitive at the high end against national funds, but strong in value for top-level care. St Lukes suits families and those seeking comprehensive hospital plus extras, especially in Tasmania. With over 60 years in operation and solid regional reputation, St Lukes remains financially reliable; however, specific up-to-date financials and online reputation metrics (such as Trustpilot) are not available, reflecting its modest national footprint. Claims are managed via app, online, branches, and fast electronic claiming at provider, with effective digital tools and family features, though reliable national customer sentiment is harder to gauge.
- ✅Comprehensive no-excess Gold hospital cover
- ✅Strong extras limits for dental and optical
- ✅No-gap preventative dental at network dentists
- ✅Generous coverage for mental health and therapies
- ✅Family-friendly with dependants covered up to age 23–25
- ✅Member rewards increase limits after 5 years
- ✅Digital health records and telehealth included
- ❌Premium pricing at top tiers
- ❌Limited national customer review data
- ❌Waiting periods apply for some services
- ❌Lower-tier plans exclude key hospital categories
- ❌Pharmacy and appliance benefits capped by annual limits
Score- ✅Comprehensive no-excess Gold hospital cover
- ✅Strong extras limits for dental and optical
- ✅No-gap preventative dental at network dentists
- ✅Generous coverage for mental health and therapies
- ✅Family-friendly with dependants covered up to age 23–25
- ✅Member rewards increase limits after 5 years
- ✅Digital health records and telehealth included
Our expert's opinion on St Lukes
- ✅Comprehensive no-excess Gold hospital cover
- ✅Strong extras limits for dental and optical
- ✅No-gap preventative dental at network dentists
- ✅Generous coverage for mental health and therapies
- ✅Family-friendly with dependants covered up to age 23–25
- ✅Member rewards increase limits after 5 years
- ✅Digital health records and telehealth included
- ❌Premium pricing at top tiers
- ❌Limited national customer review data
- ❌Waiting periods apply for some services
- ❌Lower-tier plans exclude key hospital categories
- ❌Pharmacy and appliance benefits capped by annual limits
Score- ✅Comprehensive no-excess Gold hospital cover
- ✅Strong extras limits for dental and optical
- ✅No-gap preventative dental at network dentists
- ✅Generous coverage for mental health and therapies
- ✅Family-friendly with dependants covered up to age 23–25
- ✅Member rewards increase limits after 5 years
- ✅Digital health records and telehealth included
- What does St Lukes health insurance cover?
- What is the cost of St Lukes health insurance in 2025?
- Is St Lukes Health Insurance accessible to newcomers?
- Does St Lukes Health Insurance Cover Seniors?
- How does reimbursement work with St Lukes?
- How to Contact St. Luke's Health Insurance
- St Lukes Promo Codes
- FAQ
- On the same topic
Why Trust HelloSafe?
Why trust HelloSafe? HelloSafe is a leading international expert in health insurance, supporting hundreds of thousands of Australians each month in choosing the right coverage. Our specialists have thoroughly reviewed the offerings from Australia's major insurers, carefully analysing policy features, pricing, and quality of service. Here is our expert assessment of this policy.
What does St Lukes health insurance cover?
St Lukes stands out with flexible hospital and extras covers, from Starter to Gold and the all-inclusive Packaged Ultimate Gold, supporting full private hospital access, generous dental, optical, and therapy rebates, plus no excess on their top hospital tier. Preventive and dental extras are a highlight, with gap-free cleanings in-network and up to $1,250 annual limits, but annual and sub-limits for therapies apply and coverage is focused on Australia-only healthcare. Telehealth and modern digital tools add convenience, yet specialist and non-recognised treatments face exclusions. Overall, St Lukes combines comprehensive private cover with clear limits, appealing for those seeking stability and breadth.
Important Information Regarding Reimbursement
⚠️ Important : for you to compare and choose confidently, we have added a column showing what the public health system reimburses.
Common Medical Care
| Guarantee | Medicare | Gold Hospital + Super Extras | Packaged Ultimate Gold |
|---|---|---|---|
| Prescription medicine | 75% Standard PBS only Annual cap: varies | 100% Up to $70 per script $600/year | 100% Up to $90 per script $400/year |
| Hospitalisation | 100% Public hospital shared ward No limit | 100% Choice of public/private No limit Private/shared room | 100% Choice of public/private No limit Private/shared room |
| Ambulance transport | Not covered (varies by state ambulance scheme) | $5,000/year All medically necessary transport | $5,000/year All medically necessary transport |
| Home nursing | Not covered (unless public service program) | $55/service $500/year | $55/service $500/year |
| Laboratory analysis | 100% Covered if referred and within MBS | Up to $100/year | Up to $100/year |
Standard PBS only
Annual cap: varies
Up to $70 per script
$600/year
Up to $90 per script
$400/year
Public hospital shared ward
No limit
Choice of public/private
No limit
Private/shared room
Choice of public/private
No limit
Private/shared room
All medically necessary transport
All medically necessary transport
(unless public service program)
$500/year
$500/year
Covered if referred and within MBS
Dental Care
| Guarantee | Medicare | Super Extras | Packaged Ultimate Gold |
|---|---|---|---|
| Preventive and routine dental care | Not covered | 100% up to $86/exam, $170/clean, $1,250/year | 100% up to $86/exam, $170/clean, $1,250/year |
| Basic dental care | Not covered | 100% up to $111/filling, $135/extraction, $1,250/year | 100% up to $111/filling, $135/extraction, $1,250/year |
| Major dental care | Not covered | 100% up to $1,000/year, crowns/bridges/implants included | 100% up to $1,500/year, crowns/bridges/implants included |
| Orthodontics (braces) | Not covered | 100% up to $1,000/year, $2,800 lifetime | 100% up to $1,200/year, $3,000 lifetime |
Les soins de la vue
| Guarantee | Medicare | Super Extras | Packaged Ultimate Gold |
|---|---|---|---|
| Glasses, lenses, surgery | Not covered | 100% up to $300/year for glasses/lenses | 100% up to $350/year for glasses/lenses |
| Optometrist consultation | Covered if bulk billed | 100% up to $300/year included | 100% up to $350/year included |
Specialized and paramedical care
| Guarantee | Medicare | Super Extras | Packaged Ultimate Gold |
|---|---|---|---|
| Complementary therapies | Not covered | 100%, up to $40 initial and $35 subsequent consults, $500/year sub-limit | 100%, up to $40 initial and $35 subsequent consults, $500/year sub-limit |
| Psychologist | Partly covered | 100%, $145 initial/$110 subsequent, up to $600/year, Telehealth included | 100%, $160 initial/$125 subsequent, up to $700/year, Telehealth included |
| Speech therapy | Not covered | Not covered | Not covered |
| Travel insurance | Not covered | Not covered | Not covered |
Good to know
Eligible for a St Lukes health insurance policy: - Anyone residing in Australia - Must hold a valid Medicare card - Minimum age to apply: 18 years - Dependent children can be covered up to age 25 if they are full-time students You can add or remove family members (partner, children) during your policy. Choose from four types of cover based on your situation: - Single – For one adult only - Couple – For two adults - Single Parent – For one adult and their dependent children - Family – For two adults and dependent children
What is the cost of St Lukes health insurance in 2025?
| Type of cover (household composition) | Plan 1 (Gold Hospital + Super Extras) | Plan 2 (Packaged Ultimate Gold) |
|---|---|---|
| Individual (1 insured) | Around $225/month | Around $260/month |
| Couple (2 insured) | Around $445/month | Around $510/month |
| Single parent family (1 adult + 2 children) | Around $410/month | Around $465/month |
| Family (2 adults + 2 children) | Around $520/month | Around $600/month |
*These premiums are indicative only. Actual costs may differ depending on your personal situation and options chosen.*
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs St Lukes Health Insurance accessible to newcomers?
This private health cover is designed for new arrivals in Australia, including expatriates, international students, temporary workers and long-stay visitors. It offers a practical solution for those ineligible for Medicare or during any waiting period before accessing the public system, helping to cover unexpected medical expenses from your first day in Australia.
- Medical care
Covers medically necessary treatment for illness or injury in both hospital and out-of-hospital settings. For example, a stay in a private or public hospital, surgical procedures, and doctor's consultations may be included, up to the policy's annual limits. - Prescribed care
Pharmacy costs for medications prescribed by registered Australian practitioners are generally reimbursed (up to $400–$600/year depending on your extras cover). Non-PBS medications and selected appliances (such as crutches or blood glucose monitors) are also partly reimbursed for recognised conditions. - Specialist care
Access to specialist services such as physiotherapy, dietetics, psychology, and specialist consultations. Limits vary: for instance, physiotherapy may be reimbursed at $61 per initial visit or $50 for subsequent visits, subject to annual limits. - Emergency dental care
Urgent dental treatment is reimbursed in case of accident or acute pain, with annual cover often between $500 and $1,250 depending on your level. Preventive treatments may be fully covered within the network for eligible members. - Medical transport
Covers part or all of the costs of ambulance transport in a medical emergency, ensuring you are not faced with large unexpected bills. Benefits are subject to waiting periods and policy limits. - Additional expenses (hospitalisation or death)
Daily hospital accommodation (private or public rates) is covered, with full or partial reimbursement for contracted hospitals. In the event of death, some plans provide a lump sum to help with repatriation or funeral costs.
The insurance duration is flexible, generally from a few months to multiple years, matching your visa or stay period. Age limits may apply both at entry (typically from 18 up to 65 years old) and for continued cover, depending on your chosen product. Most policies require continuous residency in Australia and may not cover periods spent overseas except in limited emergency situations. Proof of visa and residency status may be required at enrolment.
Important Information Regarding Treatment Coverage
There may be waiting periods for certain treatments, especially for pre-existing conditions or pregnancy-related care. Claims are only reimbursed for services delivered by approved providers in Australia. Always check your eligibility and policy exclusions before you subscribe.
Does St Lukes Health Insurance Cover Seniors?
Retirees and older adults whose group health insurance is ending can access individual health cover with St Lukes. The main benefit of this transition process—known as the Health Insurance Pathways program—is that it allows seniors to continue their health protection without the need for new medical checks or evidence of insurability. To ensure seamless transition, applications must be submitted within 60 days of the end of the group contract.
St Lukes offers different plan options to support a broad range of needs for seniors after retirement:
- Hospital Cover: Covers fees for private and public hospital care, including overnight stays, surgical procedures, and rehabilitation, up to the level of your chosen policy.
- Extras Cover: Options for outpatient costs such as dental, optical, physiotherapy, hearing aids, podiatry, and selected wellness services, with annual limits that can suit light or comprehensive needs.
- Combined Hospital + Extras: Bundled solution with hospital cover and a broad package of additional health services, including preventive care and optional high annual benefit limits.
- Travel Cover: Some options include or allow the addition of travel insurance for emergency health cover during short trips within Australia or overseas.
- Home Nursing and Care Support: Assistance for approved home-based nursing, rehabilitation or post-hospital care, subject to annual sub-limits per policy.
- Vision and Hearing Care: Extras plans may include reimbursement for prescription glasses, contact lenses, eye tests, audiology consultations and approved hearing aids.
Health Insurance Pathways Eligibility
Eligibility for the Health Insurance Pathways program generally applies to anyone coming off a group or corporate policy due to retirement or redundancy. Waiting periods may apply if the new cover is more comprehensive. For help choosing the right plan, contact St Lukes or use the online portal to compare features and pricing.
How does reimbursement work with St Lukes?
| Feature | Availability | Expert opinion |
|---|---|---|
| Online claim submission | ✅ | Members can send invoices or bills instantly via the secure portal, speeding up claim processing. |
| Mobile app | ✅ | The St Lukes Connect app provides on-the-go access for claims, policy management and payments. |
| Member area for claim tracking | ✅ | You can check claim status and benefit limits any time through the web or app member area. |
| Reimbursement simulator | ❌ | There is currently no tool for previewing the reimbursement amount before submitting a claim. |
| Reimbursement time | 48h | Claims are generally reimbursed within two working days after approval, reducing wait times. |
| Add/remove members free of charge | ✅ | You can modify your policy by adding or removing dependants with no administrative fee applied. |
| Telephone support with a health professional | ❌ | No access to health professionals by phone, only administrative or general customer support. |
| Second medical opinion | ❌ | St Lukes does not provide a dedicated second opinion service for complex or severe diagnoses. |
| 24/7 travel assistance | ✅ | Emergency travel cover assistance is available around the clock for eligible policies and events. |
How to Contact St. Luke's Health Insurance
| Reason for contact | Contact St Lukes |
|---|---|
| 🧾 I want to get a health insurance quote | Use the online quote form or call 1300 651 988 (Mon–Fri 8:30am–5pm, select option for “new policy or quote”). |
| 🧾 I need a certificate of insurance | Log in to your online account, download the certificate under “Documents”, or call 1300 651 988 (Mon–Fri 8:30am–5pm, select “policy documents”). |
| 🩺 I need medical assistance | For health emergencies, call 000. For travel or policy assistance while overseas, contact Allianz Global Assistance or call the number on your membership card. |
| 🔍 I want to report an incident or check my claim status | Access your online account for claim tracking, or call 1300 651 988 (Mon–Fri 8:30am–5pm, option “claims and benefits”). |
St Lukes Promo Codes
| St Lukes promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% via comparator |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best health insurance offers.
FAQ
Who can take out health insurance with St Lukes?
You can apply directly on the official St Lukes website. However, it is recommended to compare health insurance offers first to make sure the policy matches your needs. Check out our health insurance comparison for more details.
Are there any age requirements with St Lukes?
St Lukes generally requires policyholders to be at least 18 years old. There is no explicit upper age limit for joining, but specific conditions may vary depending on the type of cover.
Can I add or remove insured members with St Lukes?
You can add or remove family members, like your partner or children, at any time. These changes can be done via your member account, by phone, or by contacting customer support.
How long does it take to get reimbursed after making a claim?
Most reimbursements are processed within 48 hours after approval. Delays may occur if additional documents are required for your claim.
What is included in the St Lukes Extras cover?
Extras cover can include dental, optical, physio, psychology, hearing aids, and more, depending on your plan. Benefit limits and included services differ by level of cover chosen.
Does St Lukes cover pre-existing conditions?
Pre-existing conditions are covered, but some waiting periods (typically up to 12 months) may apply before you can claim for these health issues.
How do I switch to St Lukes from another fund?
You can transfer from another Australian health fund and may have waiting periods waived for benefits already served, provided you complete your application within 60 days of leaving your previous fund.
Who can take out health insurance with St Lukes?
You can apply directly on the official St Lukes website. However, it is recommended to compare health insurance offers first to make sure the policy matches your needs. Check out our health insurance comparison for more details.
Are there any age requirements with St Lukes?
St Lukes generally requires policyholders to be at least 18 years old. There is no explicit upper age limit for joining, but specific conditions may vary depending on the type of cover.
Can I add or remove insured members with St Lukes?
You can add or remove family members, like your partner or children, at any time. These changes can be done via your member account, by phone, or by contacting customer support.
How long does it take to get reimbursed after making a claim?
Most reimbursements are processed within 48 hours after approval. Delays may occur if additional documents are required for your claim.
What is included in the St Lukes Extras cover?
Extras cover can include dental, optical, physio, psychology, hearing aids, and more, depending on your plan. Benefit limits and included services differ by level of cover chosen.
Does St Lukes cover pre-existing conditions?
Pre-existing conditions are covered, but some waiting periods (typically up to 12 months) may apply before you can claim for these health issues.
How do I switch to St Lukes from another fund?
You can transfer from another Australian health fund and may have waiting periods waived for benefits already served, provided you complete your application within 60 days of leaving your previous fund.
On the same topic
