St Lukes
$1,337.50 / month
Before Rebate, Discount & Loading
Available in VIC
You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.
This policy covers: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).
Children (0 - 17), non-classified* dependant (18 - 22), students (23 - 24) and non-students (23 to 24), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Dependent under the age of 23.
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: No excess
Co-payments: No co-payments
This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.
Ambulance Levy included for NSW/ACT residents. Ambulance is provided free to Tas residents. Unmarried dependants covered until they turn 23 and single F/T students covered until they turn 25.
This health insurer does not operate a preferred provider scheme.
Note, for treatments marked with * : Under Preventative Dental, we pay 100% of your dentist's regular fee up to a maximum benefit per eligible service. This applies to examinations, x-rays, scale and clean and fissure sealing. If your dentist charges above the maximum benefit, or in excess of their regular fee, a gap or out of pocket may apply. Regular fee refers to the average fee your dentist charges to all patients of his or her practice for each eligible service.
Combined limit of $1000 per person for chiropractic/osteopathy, acupuncture and other services. $500 sub-limit applies per person, per service.
combined limit for acupuncture, chiropractic & osteopathy
$1,000 per person
combined limit for ante-natal/post-natal classes, exercise physiology & physiotherapy
Overall limit of $1500 per person applies to Health Appliances and Aids**. $250 sub-limit applies to foot orthotics
combined limit for blood glucose monitors & orthotics (podiatric orthoses)
$500 per person
combined limit for chinese medicine & remedial massage
combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, podiatry & speech therapy
$2,000 per person
combined limit for endodontic & major dental
$1,250 per person
sub-limits apply
$600 per person
$350 per person
$1,200 per person
$3,000 lifetime limit
Benefits payable towards counselling services - Initial consultation $85/subsequent consultation $80 included in $700 Psychology Limit
Other features of this general treatment cover: Orthodontic limit included in annual Major Dental limit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit. Member rewards apply after 5 years continuous membership. Other services covered: include laser eye surgery, neuropsychology and approved health management programs. **Limits apply to individual Health Appliances & Aids
Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).
For further information about this policy see: https://www.stlukes.com.au/forms-brochures?tag=Information+sheet
http://www.stlukes.com.au
general@stlukes.com.au
1300 651 988
Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at privatehealth.gov.au/dynamic/Premium/PHIS/SLM/J3/VCDZ1Y