Packaged Ultimate Gold
Compare 138 St Lukes Health Insurance policies. Prices shown for: Single, NSW, Age 30, $500 excess.
St Lukes Health Insurance
Packaged Ultimate Gold
$572.30
Pregnancy and birth covered
Joint replacements covered
100% back on orthodontics
Optical included
Physio included
Excess
Why this cover
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $385.60
- Excess
- $0
- Hospital tier
- Gold
Excellent Service Record0.74× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
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Get 6 weeks free*
Get 6 weeks free*
Ending 31 July 2026
Hospital Cover
38 covered0 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
$2,000/policy1 yr
Root Canal Therapy: $203
General Dental
$1,250/policy2 mo
Periodic Exam: 100% backScale & Clean: 100% backFluoride: $36Extraction: $208
Major Dental
$2,000/policy1 yr
Full Crown (Veneered): $1040
Orthodontic
$1,200/policy1 yr
Braces (Upper & Lower): 100% back
Optical
$350/policy6 mo
Single Vision Lenses: $350Multi-Focal Lenses: $350
Orthoptics
$1,000/policy2 mo
1st visit: $70Next visit: $43
Acupuncture
2 mo
1st visit: $40Next visit: $35
Chinese Herbal Medicine
$500/policy2 mo
1st visit: $37Next visit: $33
Chiropractic
2 mo
1st visit: $46Next visit: $34
Exercise Physiology
$1,000/policy2 mo
1st visit: $60Next visit: $45
Occupational Therapy
$1,000/policy2 mo
1st visit: $85Next visit: $60
Osteopathy
2 mo
1st visit: $60Next visit: $50
Physiotherapy
$1,000/policy2 mo
1st visit: $61Next visit: $56
Psychology
2 mo
1st visit: $160Next visit: $125
Remedial Massage
$500/policy2 mo
1st visit: $40Next visit: $35
Speech Therapy
$1,000/policy2 mo
1st visit: $130Next visit: $82
Antenatal/Postnatal
$1,000/policy2 mo
1st visit: $56Next visit: $56
Audiology
2 mo
1st visit: $55Next visit: $55
Dietetics
$1,000/policy2 mo
1st visit: $80Next visit: $50
Hearing Aids
36 mo
Hearing Aid: $1250
Home Nursing
$500/policy2 mo
Initial: $55
Orthotics
1 yr
Orthotics: $250
Podiatry
$1,000/policy2 mo
1st visit: $55Next visit: $45
Glucose Monitor
1 yr
Glucose Monitor: $200
Non-PBS Pharmaceuticals
$600/policy2 mo
Prescription: $90
Health Management
-Vaccinations
-St Lukes Health Insurance
Packaged Ultimate Gold
$572.30
Pregnancy and birth covered
Joint replacements covered
100% back on orthodontics
Optical included
Physio included
Excess
Frequently Asked Questions
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