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Standout features

St.LukesHealth offers many product features that add up to great value health cover!

St.LukesHealth offers many product features, including:

Gap free preventative dental

We offer cover options with gap free preventative dental for both adults and children at your choice of dentist. 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 and fissure sealing. This will help you keep your teeth and gums healthy and hopefully prevent the need for more extensive treatment later on. Find out more under our extras product information.

*regular fee refers to the average fee your dentist charges to all patients of his or her practice for each eligible service

Great cover for your family

Children can remain on their parent’s policy until they reach the age of 23 years providing they are not married or living in a defacto relationship. Single, full time student dependants can remain covered until they reach the age of 25 years if fully dependent on their parents.

Our Dependant Extension option means that your non-student child dependant may be able to stay on your family cover, provided they are aged between 23 and 25, are not married or living in a defacto relationship and not studying full-time.

No hospital excess for children

If you choose an excess you won’t have to pay the excess on most hospital covers if a child covered on your policy needs to go to hospital.


Get rewarded for staying a member

At St.LukesHealth we value the relationship we have with our members and that's why we have introduced Member Rewards on selected covers. Member Rewards will reward each person who has held top extras cover with St.LukesHealth for five years or more with a 5% increase in their dental benefits and annual dental limits.

Great service and great service options

We pride ourselves on our customer service. You can experience our friendly face to face service at one of our many offices or agents, or you can access your membership details and transact business over the Internet through our online member services. Claiming is easy with point of service electronic claiming facilities (Hicaps) or mobile claiming from your iPhone or Android phone and we have convenient methods for premium payment including direct debit, salary deduction, BPAY and Internet.

Great deals on optical

You can choose from a range of no gap* options and discounts from our optical partners.



*subject to your level of cover and policy conditions.


We have great partners too

Customers of MyState and Tasplan can take advantage of the discounts and benefits offered through our alliance partnerships.


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