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Extras cover

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

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Super Extras

Super Extras is our top stand alone extras cover and offers benefits towards an extensive range of extra health care services that are not covered by Medicare.

Super Extras

If you prefer a full range of benefits then Super Extras is your best choice.

Examples of benefits are included in the table below and where applicable annual limits are per person covered per calendar year unless otherwise specified. A calendar year runs from January to December. Benefits are only payable when rendered by a practitioner in private practice who is registered by this fund. You should contact the fund to ensure your provider is registered before undergoing treatment.

A new feature on Super Extras is Gap Free Preventative Dental. Under gap free preventative dental we pay 100% of your dentist’s regular fee* up to a maximum benefit per eligible service. This means that for most dentists you will have no gap or out of pocket to pay for an examination, x-ray or scale and clean. If your dentist charges above the maximum benefit a gap or out of pocket may apply. The stand out features of Gap Free Preventative Dental for St.LukesHealth members is that it applies to both adults and children and at your choice of dentist. We don’t tell you which dentist you need to go to in order to receive the higher benefit for preventative dental as it applies to all dentists^. A great way to help you keep your teeth and gums healthy.

^ Includes examination, x-rays and scale and clean. Benefits of 100% of the dentist’s regular fee* apply on selected products up to a maximum benefit per service. If your dentist charges above the maximum benefit, or in excess of the regular fee* he or she charges all patients, a gap or out of pocket may apply. Benefit applies to both adults and children who have served their two month waiting period. Other preventative services such as topical fluoride application and provision of mouthguard not included. Annual limits apply.

* Regular fee refers to the average fee your dentist charges to all patients.

Benefits as at 1st April 2013.

Combined Plan Single Excess Couples & Family Excess
Per calendar year Per person per calendar year Maximum per policy
per calendar year
Super Extras
 		nil nil nil
Benefit Annual Limit
General Dental - 2 month waiting period
 $1000
Preventative dental (examinations, x-rays and scale and clean) *Regular fee refers to the average fee your dentist charges to all patients of his or her practice for each eligible service.
 100% of dentist's regular fee up to maximum benefit per service* limit of two general dental consultations per person per calendar year
Comprehensive oral examination
 see above limit of two general dental consultations per person per calendar year
Scaling and clean
 see above
Simple extraction
 $90.00
Mouthguard
 $90.00 limit of one per person per calendar year
Topical fluoride application
 $22.00
Metallic filling - 1 surface
 $70.00
Major Dental - 12 month waiting period
 $1,500
Periodontics
 $1,000
course of non-surgical treatment
fixed rebates apply to some periodontic services 		70%
Endodontics
 $1,000
preparation of root canal – 1 canal
 $135.00
root canal obturation – 1 canal
 $160.00
Crowns & Bridges
 $1,000
full crown veneered - indirect
 $700.00
full crown metallic - indirect
 $650.00
Procedures for Dental Implants
 $1,000
full crown attached to implant–veneered – indirect
 $600.00
Dentures
 $750
complete upper denture
 $400.00
complete upper & lower denture
 $750.00 limit of one upper and one lower denture per person payable every 2 calendar years
Orthodontics
 $1,000
course of treatment
fixed rebates apply to some orthodontic services 		100%
lifetime limit
 $2,800
Pharmacy - 2 month waiting period
 $600
per non PBS prescription
 $60.00
for prescriptions not covered by the PBS, excluding contraceptives, anabolic steroids, items normally available without prescription and drugs not approved for sale in Australia. A co-payment applies to each prescription item equal to the current non-concessional PBS co-payment amount.
Optical - 6 month waiting period
*includes benefit towards hardening of lenses 		$300
frames
 $150.00
single vision lenses*
 $150.00
bi-focal lenses*
 $150.00
multi-focal lenses*
 $150.00
soft contacts
 $300.00
hard contacts
 $300.00
disposable contacts (12 months supply)
$300.00
repair to frames
 $25.00
Physiotherapy - 2 month waiting period
 $850
physiotherapy - initial
 $45.00
physiotherapy - subsequent
 $35.00
exercise physiology - initial
 $35.00 $200
exercise physiology - subsequent
 $26.00
hydrotherapy group session
 $15.00 $300
other approved group session
 $15.00 included in hydrotherapy limit
ante natal/post natal
 $25.00 $400
lymphedema
 $40.00 included in physiotherapy limit
Other Therapies - 2 month waiting period
 $1,000
Podiatry - initial
 $35.00 $400
Podiatry - subsequent
 $26.00
Occupational Therapy - initial
 $50.00 $400
Occupational Therapy- subsequent
 $30.00
Eye Therapy - initial
 $35.00 $400
Eye Therapy- subsequent
 $30.00
Speech Therapy - initial
 $65.00 $400
Speech Therapy- subsequent
 $40.00
Dietetics- initial
 $60.00 $200
Dietetics- subsequent
 $35.00
Alternative Therapies - 2 month waiting period
 $500
Chiropractic - initial
 $40.00 $400
Chiropractic- subsequent
 $28.00
Chiropractic X-rays
 $60.00 included in chiropractic limit
Osteopathic - initial
 $40.00 included in chiro limit
Osteopathic - subsequent
 $28.00
Acupuncture - initial
 $32.00 $400
Acupuncture- subsequent
 $28.00
Natural Therapies
includes Chinese & Western Herbal Medicine, Homeopathy, Myotherapy, Naturopathy and Remedial Massage Therapy 		$28.00 $400
Clinical Psychology - 12 month waiting period
 $400
- initial
 $85.00
- subsequent
 $70.00
Home Nursing - 2 month waiting period
for services rendered by a registered nurse in private practice 		$500
per hour (up to 4 hours per day)
 $15.00
Health Appliances and Aids - 12 month waiting period
*a full list is available at any of our offices 		$1000
foot orthotics (custom made)
 85% $200
repair to custom made foot orthotics
 $30.00 limit of one repair per person per calendar year
other specified orthotics*
eg. custom made spinal & knee braces 		90% limits apply to individual items
specified prosthetic appliances*
eg. breast prosthesis after mastectomy 		90% limits apply to individual items
other specified health aids*
eg. blood glucose monitor, nebuliser 		90% limits apply to individual items
Hearing Aids - 36 month waiting period
 2 in 5 years
first appliance
 $1,000
additional appliance
 $1,000
Audiology - 2 month waiting period
 2 per year
per consultation
 $35.00
only payable when service rendered by an Audiologist in private practice and approved by this fund. Benefit will not be payable if the service is claimable from any other source.
Diabetes Education - 2 month waiting period
 $400
- initial
 $30.00 included in dietetics limit
- subsequent
 $25.00 included in dietetics limit
Health Management Programs - 3 month waiting period
Health management programs are only available when Super Extras is combined with a hospital cover from our stand alone Hospital range.
family/couples policy - per year
 70% $200
singles policy
 70% $100
Benefits are payable for approved health management programs. Limits apply to the policy, not to each person covered by the policy. Contact St.LukesHealth for more information on health management programs.

The overall limit for each service category is highlighted. Some categories have sub limits which are included within the overall limit for that service category