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Hospital cover

If you only need hospital cover, St.LukesHealth offers a wide range of stand alone hospital options. You can also combine a hospital option with an extras option to create your own packaged product.

Comprehensive Extended
Comprehensive - with excess
Comprehensive Extended - with excess

Hospital Platinum - Stand alone hospital

If all you need is hospital cover, or if you wish to create your own combined product by mixing and matching our stand alone hospital and extras covers, Hospital offers you that choice.    

Hospital Platinum

Hospital Platinum provides top private hospital cover which can be taken as a stand alone hospital product if you only need hospital cover, or you can tailor your own combined hospital and extras package by combining Hospital Platinum with an extras cover.

For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and/or excesses refer to our Membership Conditions

A full list of the private hospitals and day hospital facilities that are contracted with St.LukesHealth is available here


Hospital Cover Single Excess Couples & Family Excess
Per calendar year Per person per calendar year Maximum per policy
per calendar year
Hospital Platinum
$.00 $.00 $.00

Hospital benefits included in Hospital Platinum

Full cover for hospital accommodation and theatre fees in all contracted private hospitals and day hospital facilities within Australia (medical certification is required after 35 continuous days in hospital).  
Full cover for intensive and coronary care in all contracted private hospitals (medical certification is required).  
Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in all public hospital within Australia.  
Benefits towards approved surgically implanted prostheses.  
The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services performed while you are an inpatient in hospital.  
Additional gap cover benefit for medical services provided by practitioners participating in St.Lukes Gap Cover.  
Benefits towards uncontracted private hospitals (patient gaps may apply, you should check with St.LukesHealth before being admitted to an uncontracted hospital).  
Cosmetic surgery and other surgical procedures not covered by Medicare. (refer to membership conditions 5, 7 and 8) not covered
Excess on overnight hospitalisation. no
Excess on same day hospitalisation - from 1 July 2018 no
Excess on child dependants. no
Waiting periods apply. (refer to membership conditions 1 and 2)  
Exempts high income earners from having to pay the additional Medicare Levy Surcharge.  

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