Astute Gold Hospital and Astute Wellbeing Extras
A Gold hospital and extras policy from St Lukes Health.
- Sold as Astute Simplicity Health.
- Corporate policy, sold through employers and associations.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement St Lukes Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250, $500, $750
- Ambulance
- Not covered
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$359.7018th cheapest of 84
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $250 excess$386.80
- $500 excess$14.10 less than $250 excess$372.70
- $750 excess$27.10 less than $250 excess$359.70
$250 excessat most $500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $386.80 | $773.60 | $773.60 | $680.95 | $967.00 | $773.60 |
| VIC | $421.10 | $842.20 | $842.20 | $739.05 | $1,052.75 | $842.20 |
| QLD | $402.90 | $805.80 | $805.80 | $707.35 | $1,007.25 | $805.80 |
| SA | $384.50 | $769.00 | $769.00 | $676.50 | $961.25 | $769.00 |
| WA | $335.30 | $670.60 | $670.60 | $587.05 | $838.25 | $670.60 |
| NT | $263.80 | $527.60 | $527.60 | $469.35 | $659.50 | $527.60 |
$500 excessat most $1,000 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $372.70 | $745.40 | $745.40 | $657.10 | $931.75 | $745.40 |
| VIC | $409.00 | $818.00 | $818.00 | $718.70 | $1,022.50 | $818.00 |
| QLD | $389.30 | $778.60 | $778.60 | $684.40 | $973.25 | $778.60 |
| SA | $368.90 | $737.80 | $737.80 | $650.20 | $922.25 | $737.80 |
| WA | $316.60 | $633.20 | $633.20 | $555.55 | $791.50 | $633.20 |
| NT | $238.10 | $476.20 | $476.20 | $426.00 | $595.25 | $476.20 |
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $359.70 | $719.40 | $719.40 | $635.20 | $899.25 | $719.40 |
| VIC | $396.60 | $793.20 | $793.20 | $697.80 | $991.50 | $793.20 |
| QLD | $376.00 | $752.00 | $752.00 | $662.00 | $940.00 | $752.00 |
| SA | $355.10 | $710.20 | $710.20 | $626.90 | $887.75 | $710.20 |
| WA | $302.10 | $604.20 | $604.20 | $531.05 | $755.25 | $604.20 |
| NT | $220.50 | $441.00 | $441.00 | $396.35 | $551.25 | $441.00 |
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $250, $500, $750, paid when you are admitted. No excess for day surgery or dependants.
From the insurer: Ambulance subscriptions are claimable up to an annual premiums where there is no state based Ambulance scheme or Levy. Unmarried dependants covered until they turn 23 and single F/T students covered until they turn 25.
Pays towards 20 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$750typical policy $800
- Major dentalshared with endodontic (root canals)$500typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with antenatal and postnatal, exercise physiology, orthoptics$350typical policy $450
- Chiropracticshared with osteopathy$350typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)60% of the feetypical policy $773.80
- Single vision lenses and frames$200.00typical policy $220.00
- Physiotherapy, first visit$56.00typical policy $42.00
- Psychology, first visit$110.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $750 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dental | 12 months | $500shared with endodontic (root canals) | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 12 months | $500shared with major dental | Root canal filling (item 417): 60% |
| Optical | 6 months | $200 | Multifocal lenses and frames: $200.00Single vision lenses and frames: $200.00 |
| Non-PBS medicines | 2 months | $300 | Non-PBS prescription: 60% |
| Physiotherapy | 2 months | $350shared with antenatal and postnatal, exercise physiology, orthoptics | Physiotherapy, first visit: $56.00Physiotherapy, later visit: $49.00 |
| Chiropractic | 2 months | $350shared with osteopathy | Chiropractic, first visit: $38.00Chiropractic, later visit: $27.00 |
| Podiatry | 2 months | $200 | Podiatry, first visit: $40.00Podiatry, later visit: $33.00 |
| Psychology | 2 months | Benefits payable towards counselling services - Initial consultation $60/subsequent consultation $45 included in $400 Psychology Limit. | Psychology, first visit: $110.00Psychology, later visit: $90.00 |
| Acupuncture | 2 months | $300shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: $32.00Acupuncture, later visit: $28.00 |
| Remedial massage | 2 months | $300shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: $32.00Remedial massage, later visit: $28.00 |
| Audiology | 2 months | $350, 1 every yearshared with dietetics, home nursing, occupational therapy | Audiology, first visit: 60% |
| Antenatal and postnatal | 2 months | $350shared with physiotherapy, exercise physiology, orthoptics | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicine | 2 months | $300shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: $32.00Chinese herbal medicine, later visit: $28.00 |
| Dietetics | 2 months | $350, 1 every yearshared with audiology, home nursing, occupational therapy | Dietetics, first visit: $60.00Dietetics, later visit: $40.00 |
| Exercise physiology | 2 months | $350shared with physiotherapy, antenatal and postnatal, orthoptics | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Orthoptics | 2 months | $350shared with physiotherapy, antenatal and postnatal, exercise physiology | Orthoptics, first visit: $43.00Orthoptics, later visit: $33.00 |
| Home nursing | 2 months | $350, 1 every yearshared with audiology, dietetics, occupational therapy | Home nursing, first visit: $50.00Home nursing, later visit: $50.00 |
| Occupational therapy | 2 months | $350, 1 every yearshared with audiology, dietetics, home nursing | Occupational therapy, first visit: $55.00Occupational therapy, later visit: $40.00 |
| Osteopathy | 2 months | $350shared with chiropractic | Osteopathy, first visit: $46.00Osteopathy, later visit: $42.00 |
Not covered: orthodontics, hearing aids, blood glucose monitors, health management programs, orthotics, speech therapy, vaccinations.
Other services: Acupuncture, Remedial massage, Western herbal medicine, Alexander Technique, Myotherapy, Naturopathy and Shiatsu are included in the Alternative Therapies annual limit.
From the insurer: Approved health management programs when Wellbeing Extras is taken with hospital cover. Benefits payable at 60% of fee charged, up to maximum benefit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit.
Under Preventative Dental, we pay up to 60% of the average fee charged Australia wide up to the maximum benefit for each 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 the average fee, a gap or out of pocket may apply. Annual limits, fund rules and waiting periods apply. A 2-month waiting period applies to Psychology with the exception of functional assessment for the purpose of diagnosing ADHS and/or autism spectrum disorders diagnosis which has a 12-month waiting period.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.