St. Luke’s Health Insurance Review

Overview

The St. Luke’s Health fund was established over 65 years ago by a group of Launceston businessmen who saw the need for a regional health fund in the state of Tasmania.

They have since merged with a number of health insurers and now have memberships across all states and territories across Australia.

St. Luke’s Health Key Facts

Founded: 1952

For-Profit or Not-For-Profit?  Not-For-profit

Private Hospital Agreements Nationwide: 248

Day Hospital Agreements Nationwide: 179

Health Deal Represented? No

Headquarters: Tasmania

St. Luke’s Health Hospital Cover

St. Luke’s Health has a wide range of hospital policies to choose from. These range from Vital Bronze Hospital Cover all the way up to Superior Gold. Here is a list of the current hospital covers available:

  • Vital Bronze +
  • Young Silver +
  • No Obstetrics Silver +
  • Superior Gold +

St. Luke’s Health Extras Cover

Extras Cover takes care of the everyday healthcare service expenses that are not generally covered under Medicare such as dental services, prescription glasses, and physiotherapy. Here is a list of the current extras covers available:

  • Budget Extras
  • Super Extras

 

St. Luke’s Health Combined Cover

St. Luke’s health has the following combined cover options:

  • Packaged Vital Bronze
  • Packaged No Obstetrics Silver
  • Packaged Young Silver
  • Packaged Superior Gold
  • Packaged Ultimate Gold
  • Pasplan Gold

ST. LUKE’S HEALTH WAITING PERIODS

St Luke’s Health recognises the waiting periods you have already served with a previous health fund if you switch, this is called “portability”. For first-timers taking out a hospital cover, members who may have lapsed in hospital coverage and those upgrading their level of cover, the waiting periods below will have to be served before members can claim on services:

St. Luke’s Health Hospital waiting periods

Accidental Injury: None

New Conditions: 2 Months

Pregnancy and birth-related services: 12 months

Pre-existing conditions: 12 months

Rehabilitation & Palliative care: 2 months

Weight Loss Surgery: 12 months

How Do You Claim Extras with St. Luke’s Health?

St. Luke’s Health offers quick and easy ways to claim on your extras. Here’s how:

On the spot: Swipe your membership card at a health provider that uses the HICAPS system to have your claim processed immediately.

Via a mobile app: You can lodge a claim using the St.Luke’sHealth app by submitting a photo of your receipt.

Online:  You can log into https://myaccount.stlukes.com.au/ and lodge your claim by providing the details on your receipt.

By Mail:  You can lodge your claim by posting a completed claim form along with the relevant accounts and receipts to:

Claims Department

St. Luke’s Health

PO Box 915

Launceston, TAS 7250

St. Luke’s Health Gap Cover

 St. Luke’s Health’s gap cover is called the Medical Gap Cover. If your doctor charges you more than the standard MBS fee, this is known as the ‘gap’ and can leave you with an out-of-pocket expense.  Medical Gap can help to minimise or eliminate personal expense but it is the choice of the physician to participate in any given gap scheme.

Gap Cover Ratings by State

To determine how beneficial a gap scheme will be, we suggest comparing health funds in the same state or territory to show which of the funds offer a greater proportion of medical services covered with no gap. While it is more likely that a medical service covered under your health fund can be utilized at no personal cost to you, it is entirely the choice of the physician whether or not to participate in the gap cover scheme. 

 

Medical Services with No Gaps — The percentage of claims that were fully refunded.

Medical Services with No or Known Gaps — The percentage of claims that were fully refunded, or where the policy holder knew the cost before the surgery was performed.

 

St. Luke’s Health medical services with No Gap: 74.2%

Industry Average: 79.1%

St. Luke’s Health medical Services with No or Known Gap: 82.0%

Industry Average: 90.5%

St. Luke’s Health medical services with No Gap: 87.2%

Industry Average: 89.5%

St. Luke’s Health medical Services with No or Known Gap: 92.1%

Industry Average: 95.7%

St. Luke’s Health medical services with No Gap: 83.1%

Industry Average: 86.7%

St. Luke’s Health medical Services with No or Known Gap: 90.4%

Industry Average: 95.1%

 

St. Luke’s Health medical services with No Gap: 76.9%

Industry Average: 89.2%

St. Luke’s Health medical Services with No or Known Gap: 82.1%

Industry Average: 94.5%

St. Luke’s Health medical services with No Gap: 85.9%

Industry Average: 89.5%

St. Luke’s Health medical Services with No or Known Gap: 93.0%

Industry Average:  96.6%

St. Luke’s Health medical services with No Gap: 79.7%

Industry Average: 84.4%

St. Luke’s Health medical Services with No or Known Gap: 88.1%

Industry Average: 96.2%

St. Luke’s Health medical services with No Gap: 91.2%

Industry Average: 90.2%

St. Luke’s Health medical Services with No or Known Gap: 98.7%

Industry Average: 96.7%

 

St. Luke’s Health medical services with No Gap: 60%

Industry Average: 84.2%

St. Luke’s Health medical Services with No or Known Gap: 100%

Industry Average: 93.8%

4 stars and a heart depicting excellence
Renee came up with a result that was very satisfactory
Renee came up with a result that was very satisfactory
Rosalie Fields
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Renee handled my call with empathy, product knowledge, and skill. She listened to my needs and prior experiences and came up with a result that was very satisfactory to me.
I will definitely be contacting again
I will definitely be contacting again
customer
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My consultant Mark was absolutely brilliant, he did all the research, asked and met my personal circumstances and was great to chat with. I will definitely be contacting again when or if I ever need any more help in this area. Thank you again!
Great service!
Great service!
customer
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Great service, explained very clearly and easy to understand
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