Budget Extras
An extras policy from St Lukes Health.
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, SA, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
St Lukes Health's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 5 services for $59.90 a month. Of the 214 other policies, 84 cost less and 194 cover more services.
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.
Pays towards 5 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$500typical policy $800
- Optical$200typical policy $220
- Physiotherapyshared with acupuncture, remedial massage$500typical policy $450
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$33.00typical policy $35.20
- Scale and clean (item 114)$54.00typical policy $66.85
- Single vision lenses and frames$200.00typical policy $220.00
- Physiotherapy, first visit$45.00typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $500 | Periodic oral exam (item 012): $33.00Scale and clean (item 114): $54.00Fluoride treatment (item 121): $17.00Simple extraction (item 322): $139.00 |
| Optical | 6 months | $200 | Multifocal lenses and frames: $200.00Single vision lenses and frames: $200.00 |
| Physiotherapy | 2 months | $500shared with acupuncture, remedial massage | Physiotherapy, first visit: $45.00Physiotherapy, later visit: $34.00 |
| Acupuncture | 2 months | $500shared with physiotherapy, remedial massage | Acupuncture, first visit: $25.00Acupuncture, later visit: $25.00 |
| Remedial massage | 2 months | $500shared with physiotherapy, acupuncture | Remedial massage, first visit: $32.00Remedial massage, later visit: $27.00 |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, chiropractic, podiatry, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, osteopathy, speech therapy, vaccinations.
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.