St Lukes Health Insurance Review 2026
Compare 138 St Lukes Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
St Lukes Health Insurance - Quick Facts
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (13 August 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with St Lukes Health.
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See all 138 St Lukes Health policies side-by-side with personalised pricing.
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (13 August 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with St Lukes Health.
Explore St Lukes Health Policies
St Lukes Health offers 138 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.
Hospital Cover
44 policies covering private hospital treatment, from $88.60* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).
44 policies availableExtras Cover
28 policies covering general treatment (dental, optical, physio, etc.), from $28.70* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.
28 policies availableHospital & Extras Combined
66 policies bundling both hospital and extras coverage, from $166.80* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.
66 policies available*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with St Lukes Health directly.
Overall St Lukes Health price increase
Customer Reviews
Google Reviews (April 2026).
What St Lukes Health Specialises In
Find policies suited to your situation. Prices are indicative only.
Hospital CoverageExtras CoverageAll prices shown are indicative only and were last updated on 13 August 2026 using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.
Customer Service Record & Complaints
How St Lukes Health Insurance compares to other Australian health insurers based on pricing, service record, and product range.
Based on official data from the Private Health Insurance Ombudsman (PHIO), St Lukes Health has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.
11.67Complaint Rateper 1% market share · last 12 months0%Investigation Rateno formal investigations100%Resolution Rateresolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.
Complaint breakdown
Quarter-on-Quarter:up 300% (1 → 4 complaints)— complaint rate per market share worseningComplaint Rate per 1% Market Share: Quarter on Quarter
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint rate = complaints per 1% market share.
Top Complaint Categories — All Insurers CombinedHow St Lukes Health Addresses These
100% internal resolution rate and zero Ombudsman investigations — St Lukes Health Insurance resolves member concerns before they escalate.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.
St Lukes Health vs Industry Average - Complaint Rate per 1% Market Share (Last 12 Months)
St Lukes Health Insurance's rate appears higher due to small market share (0.6%). With just 7 complaints over the last 12 months, the normalised calculation inflates the number. In absolute terms, far fewer than major insurers.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage.
How to Resolve Issues
Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct).
Compare St Lukes Health to Competitors
Based on official data from the Private Health Insurance Ombudsman (PHIO), St Lukes Health Insurance has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.
St Lukes Health InsuranceNavy HealthLatrobe HealthSt Lukes Health Insurance*For Single in NSW. Service record data from PHIO Q1 2025-26.
Contact & Support
PhoneEmailOnlineMailSt Lukes Health Mobile App
App features: make claims, view claims history, check limits, usage and waiting periods, invite and grant permissions to other adults on your policy, manage and pay premiums, access wellbeing platform. Requires St Lukes membership.
Frequently Asked Questions
All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 13 August 2026 and may change. Always verify current information with official sources.
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