Protector Silver Plus Hospital and Super Extras
Compare 138 St Lukes Health Insurance policies. Prices shown for: Single, NSW, Age 30, $500 excess.
St Lukes Health Insurance
Protector Silver Plus Hospital and Super Extras
$667.40
Joint replacements covered
Back, neck and spine covered
Hospital psychiatric covered
100% back on orthodontics up to $1,000 per person
100% back on general dental up to $1,000 per person
Excess
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $667.40
- Excess
- $250 – $500
- Hospital tier
- SilverPlus
Excellent Service Record0.74× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
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Ending 31 July 2026
Hospital Cover
35 covered3 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
25 covered2 not covered
St Lukes Dental Network dentistsSpecial dental rates at a St Lukes Dental Network dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
Endodontic
$1,200/person1 yr
Root Canal Therapy: $180
General Dental
$1,000/person2 mo
Periodic Exam: 100% backScale & Clean: 100% backFluoride: $36Extraction: $180
Major Dental
$1,200/person1 yr
Full Crown (Veneered): $810
Orthodontic
$1,000/person1 yr
Braces (Upper & Lower): 100% back
Optical
$300/person6 mo
Single Vision Lenses: $300Multi-Focal Lenses: $300
Orthoptics
$850/person2 mo
1st visit: $65Next visit: $38
Acupuncture
$500/person2 mo
1st visit: $35Next visit: $30
Chinese Herbal Medicine
$500/person2 mo
1st visit: $32Next visit: $28
Chiropractic
$400/person2 mo
1st visit: $41Next visit: $30
Exercise Physiology
$850/person2 mo
1st visit: $58Next visit: $41
Occupational Therapy
$1,000/person2 mo
1st visit: $80Next visit: $59
Osteopathy
$400/person2 mo
1st visit: $60Next visit: $47
Physiotherapy
$850/person2 mo
1st visit: $61Next visit: $51
Psychology
2 mo
1st visit: $145Next visit: $110
Remedial Massage
$500/person2 mo
1st visit: $35Next visit: $30
Speech Therapy
$1,000/person2 mo
1st visit: $120Next visit: $81
Antenatal/Postnatal
$850/person2 mo
1st visit: $51Next visit: $51
Audiology
$1,000/person2 mo
1st visit: $50Next visit: $40
Dietetics
$1,000/person2 mo
1st visit: $75Next visit: $45
Hearing Aids
36 mo
Hearing Aid: $1000
Home Nursing
$1,000/person2 mo
1st visit: $50Next visit: $50
Orthotics
$1,000/person1 yr
Orthotics: 100% back
Podiatry
$400/person2 mo
1st visit: $50Next visit: $41
Glucose Monitor
$1,000/person1 yr
Glucose Monitor: $200
Non-PBS Pharmaceuticals
$600/person2 mo
Prescription: $70
Health Management
-Vaccinations
-St Lukes Health Insurance
Protector Silver Plus Hospital and Super Extras
$667.40
Joint replacements covered
Back, neck and spine covered
Hospital psychiatric covered
100% back on orthodontics up to $1,000 per person
100% back on general dental up to $1,000 per person
Excess
Frequently Asked Questions
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