Packaged Superior Gold

Packaged Superior Gold is a packaged product that offers you top hospital cover with no excess together with a comprehensive range of extras benefits.

Packaged Superior Gold provides you with cover for all the clinical category services.

HOSPITAL COVER SINGLE EXCESS COUPLES AND FAMILY EXCESS   LEVEL OF EXTRAS COVER
  Per calendar year Per person, per calendar year Maximum per policy, per calendar year  
Packaged Superior Gold  $0 $0 $0 Comprehensive


Packaged Superior Gold Extended:
Our Dependent Extension option means that a non-student child dependant can remain on their parent’s policy for an additional premium, provided they are aged between 23 and 25, not studying full-time and are not married or living in a defacto relationship. For more information on Dependant Extension, contact St.LukesHealth on 1300 651 988.

For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and/or excesses, visit membership conditions (please hyperlink to Membership Conditions).
For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and or excesses, visit our membership conditions.

A full list of contracted private hospital and day-hospital facilities contracted with St.LukesHealth can be found here.

From

${{ product.Price[frequencies[SelectedFrequencyIndex].priceKey] | roundToMultiple }}*

Per
*Prices displayed assume no lifetime health cover loading and base tier government rebate included. Price may vary if details change.
*Assumes {{ config.Type }} Cover
*Prices displayed assume no lifetime health cover loading and base tier government rebate included. Price may vary if details change.
Clinical Categories
CLINICAL CATEGORIES INCLUDED
Rehabilitation Yes
Hospital psychiatric services Yes
Palliative care Yes
Ear, nose & throat Yes
Tonsils, adenoids and grommets Yes
Bone, joint and muscle Yes
Joint reconstruction Yes
Hernia and appendix Yes
Gynaecology Yes
Brain and nervous system Yes
Digestive system Yes
Gastrointestinal and endoscopy Yes
Chemotherapy, radiotherapy and immunotherapy for cancer Yes
Pain management Yes
Breast surgery (medically necessary) Yes
Eye (not cataracts) Yes
Kidney and bladder Yes
Male reproductive system Yes
Miscarriage and termination of pregnancy Yes
Skin Yes
Diabetes Yes
Dental surgery Yes
Lung and chest Yes
Blood Yes
Plastic and reconstructive surgery (medically necessary) Yes
Implantation of hearing devices Yes
Back, neck and spine (incl. fusion) Yes
Heart and vascular system Yes
Podiatric surgery (provided by an accredited podiatric surgeon) Yes
Pregnancy and birth Yes
Assisted reproductive services Yes
Insulin pumps Yes
Pain management with device Yes
Sleep studies Yes
Cataracts Yes
Joint replacements Yes
Dialysis for chronic kidney disease Yes
Weight loss surgery Yes

Hospital Benefits

Accommodation and theatre fees

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

Full cover for intensive and coronary care in all contracted private hospitals subject to clinical category. (Medical certification is required).

Minimum benefit guaranteed for private patients in public hospitals.

Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in a public hospital within Australia.

Benefits towards approved surgically implanted prostheses

Benefits towards approved surgically implanted prostheses.

Cover for Medicare Benefit Schedule (MBS) fees for hospital inpatients.

The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for hospital in-patient medical services.

Additional gap cover benefit for partner medical services.

Additional gap cover benefit for hospital in-patient medical services provided by practitioners participating in St.Luke’s Gap Cover.

Benefits towards uncontracted private hospitals.

Benefits towards uncontracted private hospitals. (Patient gaps may apply, please check with St.LukesHealth before being admitted to an uncontracted hospital).

No excess on same-day hospitalisations

No excess on same-day hospitalisations

No excess on child dependants

No excess on child dependants

Medicare Levy Surcharge Exemption

Exempts high income earners from having to pay the additional Medicare Levy Surcharge.

 

Waiting periods apply.

Waiting periods apply. (See membership conditions 1 and 2).
Not covered: Cosmetic surgery and other surgical procedures not covered by Medicare. (Refer to membership conditions 6 and 8).

Extras Benefits

Examples of benefits are included in the table below and where applicable annual limits are per person covered per calendar year unless otherwise specified.

General Dental

Waiting Period: 2 months
 
  Benefit Annual Limit
Annual limit per person, per calendar year    $1,000

Preventative dental (examinations, x-rays, scale and clean, fissure sealing).

*Regular fee refers to the average fee your dentist charges 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         100% of dentist’s regular fee up to maximum benefit per service Limit of two general dental consultations per person, per calendar year
Scale and clean 100% of dentist’s regular fee up to maximum benefit per service  
Simple extraction $101  
Mouthguard $95 Limit of one per person, per calendar year
1 surface filling – posterior tooth $91  

Major Dental

Waiting Period: 12 months
  Benefit Annual Limit
Annual limit per person, per calendar year   $1500
Periodontics   $1000 per person, per calendar year
Course of non-surgical treatment.
(Fixed rebates apply to some periodontics services)       
70%
Endodontics   $1000 sub-limit per person, per calendar year
Preparation of root canal – one canal $165
Root canal obturation – one canal $172
Crowns and bridges   $1000 sub-limit per person, per calendar year 
Full crown veneered – indirect $810
Procedures for dental implants   $1000 sub-limit per person, per calendar year
Full crown attached to implant-veneer-indirect $630
Dentures   $800 sub-limit per person, per calendar year
Complete upper denture $505 Limit of one upper and one lower denture per person, payable every two calendar years
Complete upper and lower denture $800
Orthodontics   $1000 sub-limit per person, per calendar year 
$2800 lifetime limit
Course of treatment (Fixed rebates apply on some orthodontic services) 100%

Pharmacy

Waiting Period: 2 months
  Benefit Annual Limit
Annual limit per person, per calendar year   $600
Per non-PBS prescription $70  

For prescriptions not covered by the PBS, excluding anabolic steroids, items normally available without prescriptions 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

Waiting Period: 6 months
  Benefit Annual Limit

Annual Limit per person, per calendar year

  $300
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 $300
Hard contacts $300
Disposable contacts (12-month supply) $300
Repairs to frames $25

*includes benefit towards hardening of lenses

Physiotherapy

Waiting Period: 2 months
  Benefit Annual Limit
Annual limit per person, per calendar year   $850
Physiotherapy – initial $55  
Physiotherapy – subsequent $42
Exercise physiology - initial  $45 $200 sub-limit per person, per calendar year
Exercise physiology – subsequent $35
Approved group sessions (including hydrotherapy) $15 $300 sub-limit per person, per calendar year
Ante-natal / Post-natal $25 $400 sub-limit per person, per calendar year
Lymphedema $40 Included in physiotherapy limit

Other Therapies

Waiting Period: 2 months
  Benefit Annual Limit
Annual Limit per person, per calendar year    $1000
Podiatry – initial $40 $400 sub-limit per person, per calendar year
Podiatry – subsequent $32
Occupational therapy – initial $70 $400 sub-limit per person, per calendar year
Occupational therapy – subsequent $49
Eye therapy – initial $65 $400 sub-limit per person, per calendar year
Eye therapy – subsequent $38
Speech therapy – initial $80 $400 sub-limit per person, per calendar year
Speech therapy – subsequent $52
Dietetics – initial $75 $400 sub-limit per person, per calendar year
Dietetics – subsequent $45

Clinical Psychology

Waiting Period: 12 months
  Benefit Annual Limit
Annual limit per person, per calendar year   $400
Initial consultation $85  
Subsequent consultation $80

Home Nursing

Waiting Period: 2 months
  Benefit Annual Limit
Annual limit per person, per calendar year   $500
Per service (For services rendered by a registered nurse in private practice) $50  

Health Appliances and Aids

Waiting Period: 12 months
  Benefit Annual Limit

Annual limit per person, per calendar year 

  $1,000
Foot orthotics (custom-made) 85% $200 sub-limit per person, per calendar
Repair to custom-made foot orthotics $30 Limit of one repair per person, per calendar year
Other specified orthotics*
(eg: Custom-made spinal and 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
*a full list is available on request from St.LukesHealth

Audiology

Waiting Period: 2 months
  Benefit Annual Limit
Annual limit per person, per calendar year   2 per year
Per consultation $40  

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

Waiting Period: 2 months
  Benefit Annual Limit
Annual limit per person, per calendar year    
Initial consultation $55 Included in dietetics limit
Subsequent consultation $45 Included in dietetics limit

Health Management Programs

Waiting Period: 3 months
  Benefit Annual Limit
Singles policy – per year 70% $150
Family/couples policy, per year 70% $300

Benefits are payable for approved health management programs. Limits apply to the policy, not to each person covered by the policy. Health management programs are only available when Super Extras is combined with hospital cover from our stand-alone hospital range. Contact St.LukesHealth for more information.
 

Member Rewards

Waiting Period: 5-year qualifying period
  Benefit
5% increase in dental benefits
(Excluding preventative services paid under Gap Free Preventative Dental)
Yes
5% increase in annual dental limits Yes
Member reward benefits are payable after five years of continuous membership on an eligible St.LukesHealth product. Qualifying conditions apply, find out more here  

 

Alternative Therapies

Waiting Period: 2 months
  Benefit Annual Limit
Annual limit per person, per calendar year    $500 
Chiropractic – initial $40 $400 sub-limit per person, per calendar year
Chiropractic – subsequent       $28
Chiropractic – x-rays $60
Osteopathic – initial $50 Included in chiropractic limit
Osteopathic – subsequent $40
Acupuncture – initial $35 $400 sub-limit per person, per calendar year
Acupuncture – subsequent $30
Natural therapies – initial
(Includes Chinese herbal consultations, and Myotherapy)
$32 $400 sub-limit per person, per calendar year
Natural therapies – subsequent
(Includes Chinese herbal consultations, and Myotherapy)
$28
Remedial Massage – initial $35 Included in natural therapies limit
Remedial Massage - subsequent $30
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.

Need help deciding?

Our friendly staff are only a phone call away and are trained to provide. personalised service to assist you in choosing the level of health cover you require

Lifetime Health Cover & Medicare Levy Surcharge

There are a range of government initiatives that will affect your health cover.

An error has occurred

{{ message }}

Please try again in a moment.