St Lukes Health
32 open policies in the October 2026 data. Anyone can join.
Registered as St Lukes.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Also sells policies as Astute Simplicity Health.
stlukes.com.au, phone 1300 651 988
- Hospital
- 10
- Hospital and extras
- 15
- Extras
- 7
- Closed to new members
- 21
How its premiums compare in NSW & ACT
St Lukes Health's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BronzeHospital only$163.2021st cheapest of 21
- SilverHospital only$232.1020th cheapest of 21
- GoldHospital only$320.202nd cheapest of 10
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Plus Hospital, at $163.20 a month before the rebate with a $750 excess: 21st cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Plus Hospital, at $232.10 a month before the rebate with a $750 excess: 20th cheapest of 21 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Gold Hospital, at $320.20 a month before the rebate with a $750 excess: 2nd cheapest of 10 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 13 corporate policies are included; they are sold through employers and associations.
- NSW & ACT$160.10 to $375.20
- VIC$164.60 to $396.70
- QLD$170.70 to $402.50
- SA$157.50 to $353.20
- WA$131.80 to $345.00
- TAS$128.10 to $277.60
- NT$88.60 to $233.20
- NSW & ACT$251.60 to $572.30
- VIC$274.30 to $585.80
- QLD$259.90 to $579.30
- SA$257.70 to $560.20
- WA$200.90 to $500.60
- TAS$240.10 to $410.60
- NT$166.80 to $385.60
- NSW & ACT$59.90 to $177.20
- VIC$50.50 to $158.90
- QLD$46.80 to $146.40
- SA$44.00 to $138.80
- WA$45.60 to $135.80
- TAS$28.70 to $93.30
- NT$44.90 to $119.10
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $160.10 to $375.20 | $251.60 to $572.30 | $59.90 to $177.20 |
| VIC | $164.60 to $396.70 | $274.30 to $585.80 | $50.50 to $158.90 |
| QLD | $170.70 to $402.50 | $259.90 to $579.30 | $46.80 to $146.40 |
| SA | $157.50 to $353.20 | $257.70 to $560.20 | $44.00 to $138.80 |
| WA | $131.80 to $345.00 | $200.90 to $500.60 | $45.60 to $135.80 |
| TAS | $128.10 to $277.60 | $240.10 to $410.60 | $28.70 to $93.30 |
| NT | $88.60 to $233.20 | $166.80 to $385.60 | $44.90 to $119.10 |
What St Lukes Health covers, and what it pays back
Hospital
Leaving out the 11 it sells through employers, St Lukes Health has 14 policies with hospital cover. They come with no excess or one of $150, $250, $300, $500 or $750. 12 of the 14 drop the excess for children on the policy, and one of the 14 for day surgery. St Lukes Health doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 14 leave ambulance out.
Extras
Not counting the ten it sells through employers, St Lukes Health has 12 policies with extras, covering anywhere from 3 to 25 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $70.00typical policy $35.20
- $134.00typical policy $66.85
- $1,040.00typical policy $773.80
- $350.00typical policy $220.00
- $72.00typical policy $42.00
- $160.00typical policy $75.00
Its highest yearly limits for a single
- General dental$1,250typical policy $800
- Major dentalNo yearly limittypical policy $1,000
- Optical$350typical policy $220
- Physiotherapy$1,000typical policy $450
- Chiropractic$500typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 10
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus Hospital | Basic Plus | $128.10TAS | TAS | $500 |
| Bronze Hospital | Bronze | $141.60TAS | TAS | $250, $500, $750 |
| Astute Bronze Plus HospitalCorporateSold as Astute Simplicity Health | Bronze Plus | $88.60NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500 |
| Bronze Plus Hospital | Bronze Plus | $100.50NT | All | $250, $500, $750 |
| Astute Silver Plus HospitalCorporateSold as Astute Simplicity Health | Silver Plus | $88.70NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500, $750 |
| Silver Plus Hospital | Silver Plus | $132.80NT | All | $250, $500, $750 |
| Protector Silver Plus Hospital | Silver Plus | $242.20TAS | TAS | $250, $500, $750 |
| Planner Silver Plus Hospital | Silver Plus | $244.80TAS | TAS | $250, $500 |
| Astute Gold HospitalCorporateSold as Astute Simplicity Health | Gold | $142.30NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500, $750 |
| Gold Hospital | Gold | $205.00NT | All | $300, $500, $750 |
Hospital and extras policies 15
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Astute Bronze Plus Hospital and Astute Wellbeing ExtrasCorporateSold as Astute Simplicity Health | Bronze Plus | $166.80NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500 |
| Astute Bronze Plus Hospital and Astute Extras ProtectCorporateSold as Astute Simplicity Health | Bronze Plus | $180.60NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500 |
| Bronze Plus Hospital and Super Extras | Bronze Plus | $213.80NT | All | $500, $750 |
| Astute Silver Plus Hospital and Astute Wellbeing ExtrasCorporateSold as Astute Simplicity Health | Silver Plus | $166.90NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500, $750 |
| Astute Silver Plus Hospital and Astute Extras ProtectCorporateSold as Astute Simplicity Health | Silver Plus | $180.70NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500, $750 |
| Planner Silver Plus Hospital and Super Extras | Silver Plus | $333.70TAS | TAS | $250, $500 |
| Protector Silver Plus Hospital and Super Extras | Silver Plus | $333.70TAS | TAS | $250, $500 |
| Astute Gold Hospital and Astute Wellbeing ExtrasCorporateSold as Astute Simplicity Health | Gold | $220.50NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500, $750 |
| Astute Gold Hospital and Astute Extras ProtectCorporateSold as Astute Simplicity Health | Gold | $234.30NT | NSW & ACT, VIC, QLD, SA, WA, NT | $250, $500, $750 |
| Pasplan Gold with excessCorporate | Gold | $314.80TAS | All | $150 |
| Gold Hospital and Super Extras | Gold | $318.30NT | All | $300, $500, $750 |
| Pasplan GoldCorporate | Gold | $337.40NT | All | $0 |
| Pasplan Gold Status 85 with excess | Gold | $357.70TAS | All | $150 |
| Pasplan Gold Status 85 | Gold | $383.40NT | All | $0 |
| Packaged Ultimate Gold | Gold | $385.60NT | All | $0 |
Extras policies 7
| Policy | From | Sold in | Services |
|---|---|---|---|
| Starter Extras | $28.70TAS | TAS | 14 |
| Budget Extras | $44.00SA | NSW & ACT, VIC, QLD, SA, WA, NT | 5 |
| Dental Extras | $48.70TAS | TAS | 3 |
| Wellbeing Extras | $67.50TAS | TAS | 20 |
| Astute Wellbeing ExtrasCorporateSold as Astute Simplicity Health | $74.20WA | NSW & ACT, VIC, QLD, SA, WA, NT | 20 |
| Super Extras | $93.30TAS | All | 25 |
| Astute Extras ProtectCorporateSold as Astute Simplicity Health | $108.10SA | NSW & ACT, VIC, QLD, SA, WA, NT | 25 |
St Lukes Health also has 21 older policies (520 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about St Lukes Health
- Who can join St Lukes Health?
- Anyone can join. St Lukes Health sells 32 policies to new members (10 hospital-only, 15 combined and 7 extras-only), going by the October 2026 data.
- How much is St Lukes Health hospital cover?
- Its cheapest hospital policy for a single is $100.50 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does St Lukes Health pay for a dental check-up?
- Up to $70.00 for a check-up (dental item 012) on its Dental Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.