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Packaged cover

If you want both hospital and extras cover then a package is your best option.

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Packaged Platinum Plus

Packaged Platinum Plus is St.LukesHealth premium combined hospital and extras product.

Packaged Platinum Plus cover

Not only does Packaged Platinum Plus give you top private hospital cover without the need to pay an excess, Packaged Platinum Plus members enjoy the highest level of benefit refunds for extra health care services including dental, optical, pharmacy, physiotherapy and much more.

FAMILY: For further details the extras benefits and limits click here. please select your home State from the "Your Location" at the top of the webpage

SINGLE: For further details the extras benefits and limits click here.please select your home State from the "Your Location" at the top of the webpage

For information on waiting periods, including pre-existing conditions, exclusions, restrictions, benefit limitation periods, 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.

Combined Plan Single Excess Couples & Family Excess Extras Cover
Per calendar year Per person per calendar year Maximum per policy
per calendar year
 
Platinum Plus
$.00 $.00 $.00 our highest

For information on waiting periods, including pre-existing conditions, exclusions, restrictions, benefit limitation periods, co-payments and/or excesses refer to our membership conditions.

Hospital benefits included in Packaged Platinum Plus:

Benefit 
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 6, 8 and 9) not covered
Excess on overnight hospitalisation. no
Excess on same day hospitalisation. no
Excess on child dependants. no
Waiting periods and benefit limitation periods apply. (refer to membership conditions 1, 2 and 3)  
Exempts high income earners from having to pay the additional Medicare Levy Surcharge.  

Packaged Platinum Plus - extras product

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.

Gap Free Preventative Dental

A new feature on Packaged Platinum Plus 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, scale and clean or fissure sealing. 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, scale and clean or fissure sealing. 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 2016.

Benefit Annual Limit
General Dental - 2 month waiting period
$1,250
Preventative dental (examinations, x-rays, scale and clean and fissure sealing) *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
Scaling and clean
see above
Simple extraction
$112.00
Mouthguard
$105.00 limit of one per person per calendar year
1 surface filling - posterior tooth
$106.00
Major Dental - 12 month waiting period
$2,000
Periodontics
$1,500
course of non-surgical treatment
fixed rebates apply to some periodontic services
80%
Endodontics
$1,500
preparation of root canal – 1 canal
$185.00
root canal obturation – 1 canal
$200.00
Crowns & Bridges
$1,500
full crown veneered - indirect
$1035.00
Procedures for Dental Implants
$1,500
full crown attached to implant–veneered – indirect
$855.00
Dentures
$1,000
complete upper denture
$630.00
complete upper & lower denture
$1,000.00 limit of one upper and one lower denture per person payable every 2 calendar years
Orthodontics
$1,200
course of treatment
fixed rebates apply to some orthodontic services
100%
lifetime limit
$3,000
Pharmacy - 2 month waiting period
$600
per non PBS prescription
$90.00
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
$350
frames
100% of fee up to annual limit
single vision lenses*
100% of fee up to annual limit
bi-focal lenses*
100% of fee up to annual limit
multi-focal lenses*
100% of fee up to annual limit
soft contacts
$350.00
hard contacts
$350.00
disposable contacts (12 months supply)
$350.00
repair to frames
$30.00
Physiotherapy - 2 month waiting period
$1,000
physiotherapy - initial
$55.00
physiotherapy - subsequent
$45.00
exercise physiology - initial
$45.00 $200
exercise physiology - subsequent
$36.00
approved group sessions (including hydrotherapy)
$25.00 $500
ante natal/post natal
$25.00 $500
lymphedema
$45.00
Other Therapies - 2 month waiting period
$1,000
Podiatry - initial
$45.00 $500
Podiatry - subsequent
$36.00
Occupational Therapy - initial
$73.00 $500
Occupational Therapy- subsequent
$52.00
Eye Therapy - initial
$50.00 $500
Eye Therapy- subsequent
$38.00
Speech Therapy - initial
$80.00 $500
Speech Therapy- subsequent
$50.00
Dietetics- initial
$80.00 $500
Dietetics- subsequent
$50.00
Clinical Psychology - 12 month waiting period
$500
- initial
$95.00
- subsequent
$90.00
Home Nursing - 2 month waiting period
for services rendered by a registered nurse in private practice
$500
per service
$55.00
Health Appliances and Aids - 12 month waiting period
*a full list is available at any of our offices
$1500
foot orthotics (custom made)
90% $250
repair to custom made foot orthotics
$35.00 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
Audiology - 2 month waiting period
2 per year
per consultation
$45.00
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
- initial
$60.00 included in dietetics limit
- subsequent
$50.00 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.
Member Rewards - 5 year qualifying period
5% increase in dental benefits
(excluding preventative services paid under gap free preventative dental)
5% increase in annual dental limits
Member reward benefits are payable after 5 years continuous membership on an eligible St.LukesHealth product. Qualifying conditions apply.
Alternative Therapies - 2 month waiting period
$1,000
Chiropractic - initial
$45.00 $500
Chiropractic- subsequent
$33.00
Chiropractic X-rays
$60.00 included in chiropractic limit
Osteopathic - initial
$50.00 included in chiropractic limit
Osteopathic - subsequent
$40.00 included in chiropractic limit
Acupuncture - initial
$40.00 $500
Acupuncture- subsequent
$35.00
Natural Therapies - initial
includes Chinese & Western Herbal Consultations, Homeopathy, Myotherapy, Naturopathy and Remedial Massage Therapy
$37.00 $500
Natural Therapies - subsequent
includes Chinese & Western Herbal Consultations, Homeopathy, Myotherapy, Naturopathy and Remedial Massage Therapy
$33.00

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.

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