Health Insurance

Packaged Ultimate Gold

Compare 138 St Lukes Health Insurance policies. Prices shown for: Single, NSW, Age 30, $500 excess.

St Lukes Health Insurance logo

St Lukes Health Insurance

Packaged Ultimate Gold

$385.60

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

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

6 weeks free

Limited time offer: Join St Lukes before April 12th 2026 on eligible products and you can get 6 weeks free on your policy. St Lukes will also waive the 2, 3, and 6 month waiting periods on extras. T&Cs apply.

Ending 12 Apr 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
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 logo

St Lukes Health Insurance

Packaged Ultimate Gold

$385.60

Excess

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