For rehabilitation
Bronze Plus Hospital covers rehabilitation. Check the hospital cover for exclusions and restricted benefits before choosing.
St Lukes health insurance
Is it a good health insurer?
St Lukes has 7 hospital and 5 extras policies in our comparison, from $134.08 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by St. Luke's Medical and Hospital Benefits Association. Hospital, extras or both.
Explore 7 hospital and 5 extras products, or find cover by treatment. Sources for St Lukes
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 1 July 2026
I need cover for…
Compare cover across all Australian health funds.
St Lukes cover: the main choices.
Compare hospital inclusions
If you claim glucose monitoring every year
Super Extras has a $1,000 glucose monitoring limit that it shares with orthotics. Check the extras benefits for shared pools and claim conditions.
Before you pay for Silver Plus
Silver Plus Hospital adds back, neck and spine treatment and other categories compared with Bronze Plus Hospital. What the hospital cover step costs depends on your household, state and excess.
St Lukes policies and example prices.
The profile you choose updates the St Lukes price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need a St Lukes price for your circumstances? Compare St Lukes with cover across all Australian health funds.
Compare my optionsHospital cover
3 of 7 product lines
Not sold in NSW: Basic Plus Hospital, Bronze Hospital, Planner Silver Plus Hospital, Protector Silver Plus Hospital.
$78.09 more per month for Gold Hospital versus Silver Plus Hospital after rebate for the selected example profile.
Assisted reproductive services is an additional inclusion, not the complete list of differences.
Extras cover
2 of 5 product lines
Not sold in NSW: Starter Extras, Wellbeing Extras, Dental Extras.
St Lukes joining offer
Free telehealth psychology session and no 2 month Mental Wellness wait
Join St Lukes on eligible cover by 15 November 2026 and get one free telehealth session with a psychologist through Talked. The session runs for 50 minutes. St Lukes also waives the 2-month waiting period on its Mental Wellness extras benefit (clinical psychology, counselling and social worker).
For Australian residents who are new to St Lukes and have not held St Lukes cover in the 12 months before their policy starts. The 12-month rule does not apply to dependants.
Ends 15 November 2026
Offer termsOffer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.
St Lukes eligibility and offer terms
Available through St Lukes' website. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.
Your cover must start by 15 November 2026. The offer closes at 11:59pm AEDT that day, and you pay the first month's premium when you join.
Eligible cover is combined hospital and extras cover. Starter Extras, Wellbeing Extras and Super Extras also qualify on their own. Budget Extras and Dental Extras on their own do not. Starter Extras and Wellbeing Extras are sold only in Tasmania.
The session is with a psychologist through Talked, and you need to create a Talked account to use it.
Only the 2-month waits on the Mental Wellness extras benefit are waived. All other extras waiting periods and all hospital waiting periods still apply.
Existing members qualify only when they add a partner or dependants to combined cover, or add eligible extras to hospital cover. The offer then applies only to the people or cover added.
Employees of St Lukes, Salveo Healthcare and Healthcare Software cannot get the offer, and neither can their partners or dependants.
The offer cannot be combined with any other offer unless St Lukes advises otherwise.
What does St Lukes hospital insurance cover?
1 St Lukes hospital policy fully covers cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 7 hospital policies
Selected St Lukes treatment categories.
More premium does not mean more back on everything.
St Lukes extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Budget Extras → Super Extras
The optical limits move from $200 to $300 for the Single-policy examples. Super Extras adds psychology.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Super Extras: higher benefit examples
The optical examples move from a $200.00 set benefit on Budget Extras to a $300.00 set benefit on Super Extras. It has a $300 optical limit for the Single-policy example.Compare these benefits with the premium.
Why St Lukes' shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
St Lukes vs. Australian Unity vs. Health Partners
How St Lukes compares with similar hospital policies.
These are selected Silver Plus examples from Australian Unity and Health Partners, not identical policies or a search for the cheapest cover across the market.
Comparing St Lukes Silver Plus Hospital with Australian Unity Intermediate Hospital (Silver Plus) and Health Partners Silver Hospital Plus Lite. Single · NSW · $500 hospital excess · Silver Plus hospital cover
St Lukes and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match St Lukes Silver Plus Hospital on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
St Lukes and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare St Lukes with cover from every Australian health fund.
St Lukes against the industry.
St Lukes members had no gap on 87% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
St Lukes paid 54.5% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
St Lukes increased premiums by an average of 4.25% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
3.6 / 5
5 Google reviews
Voluntary customer reviews · St Lukes
Snapshot: 23 October 2026. This is St Lukes' listing, not a representative survey. This small sample may not reflect the experience of most members.
Complaint share is close to market share
Share of all complaints, 2024-250.2%
Market share, 30 June 20250.6%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
St Lukes' share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0.9%.
Latest quarter, January to March 2026. The Ombudsman referred 1 complaint about St. Luke's Medical and Hospital Benefits Association to it to resolve, 0.2% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
App Store
2.3 / 5
30 App Store ratingsSt Lukes Connect app · St. Lukes Medical and Hospital Benefits Association Limited
Snapshot: 23 October 2026. St Lukes Connect is St Lukes' own app. This rates the app on the Australian App Store, not St Lukes' cover or claims. This small sample may not reflect the experience of most members.
Google Play
2.8 / 5
41 Google Play reviewsSt Lukes Connect app · St.LukesHealth
Snapshot: 23 October 2026. St Lukes Connect is St Lukes' own app. This rates the app on Google Play, not St Lukes' cover or claims. This small sample may not reflect the experience of most members.
Check the practical details.
Check your provider
Confirm that St Lukes recognises your provider. Ask for a treatment plan and item numbers so St Lukes can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use St Lukes' health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact St Lukes
For general enquiries, call 1300 651 988.Contact details checked 23 October 2026.Official contact details and messaging options
Before you choose St Lukes.
Who owns St Lukes?
St Lukes is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.
Source: Government insurer profile, checked 23 October 2026.
Do I get more back the longer I stay with St Lukes?
Members who have held an eligible St Lukes extras policy for at least five continuous years get a 5% increase in their dental benefits and annual dental limits. The increase does not apply to preventative services paid under preventative dental. Check which extras policies qualify.
Source: Official St Lukes information, checked 26 October 2026.
What is the cheapest St Lukes hospital policy?
Bronze Plus Hospital is the cheapest St Lukes hospital policy for a single person in NSW with a $500 hospital excess, at $134.08 a month after the 24.118% government rebate for adults under 65 (prices effective 1 July 2026). This compares all 7 St Lukes hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What changes if I move from Bronze Plus Hospital to Silver Plus Hospital?
St Lukes Silver Plus Hospital adds cover for insulin pumps, heart and vascular system and 4 more categories compared with Bronze Plus Hospital. For the Single / NSW / $500 excess example it costs $58.05 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for St Lukes.
Policy information retrieved 26 October 2026. Prices effective 1 July 2026.
Private Health Information Statements · St Lukes · checked 26 October 2026
State of the Health Funds Report 2024-25 · St Lukes · checked 26 October 2026
Government insurer profile · St Lukes · checked 23 October 2026
Government premium-increase figures · St Lukes · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · St Lukes · checked 23 October 2026
App Store listing for St Lukes Connect · St. Lukes Medical and Hospital Benefits Association Limited · checked 23 October 2026
Google Play listing for St Lukes Connect · St.LukesHealth · checked 23 October 2026
Official contact details · St Lukes · checked 23 October 2026
Offer terms · St Lukes · checked 26 October 2026
Official St Lukes information · St Lukes · checked 26 October 2026
I need cover for...