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%
Renee came up with a result that was very satisfactory Rosalie Fields Read More
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 againcustomer Read More
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!customer Read More
Great service, explained very clearly and easy to understand
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