St Lukes
$345.10 / month
Before Rebate, Discount & Loading
Available in All States
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: Only one person.
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: You will have to pay an excess on admission. This is limited to a maximum of $150 per person and $150 per policy per year.
Excess payments do not apply to hospital admissions for day surgery.
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.
$400 per policy
$850 per policy
combined limit for ante-natal/post-natal classes, exercise physiology & physiotherapy
Overall Limit of $1000 per person applies to Health Appliances and Aids**. $250 sub limit applies to foot orthotics.
combined limit for blood glucose monitors & orthotics (podiatric orthoses)
combined limit for chinese medicine & remedial massage
$500 per policy
combined limit for chiropractic, osteopathy & other services
sub-limits apply
$1,000 per policy
$1,200 per policy
No annual limit
$600 per policy
$300 per policy
$2,800 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: Generally the benefit is 85% of fee charged up to the listed maximum benefit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit. Other services covered include osteopathy, occ therapy, eye/speech therapy, dietetics, audiology, approved appliances/aids and approved health management programs. Member rewards apply after 5 years continuous membership.
Ambulance cover is provided by the State government in Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au). In other states concession card holders may have free cover and there are subscription services in several states (https://privatehealth.gov.au/health_insurance/what_is_covered/ambulance.htm).
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/J4D/A0150S