Packaged Platinum

Top private hospital cover with no excess

Packaged Platinum is a combined product which offers top private hospital cover with no excess, together with an extensive range of extra health care services. The extras benefits payable on Packaged Platinum are higher in most cases than those payable on Packaged Budget but not as high as those on Packaged Platinum Plus.
 

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 Platinum  $0 $0 $0 Comprehensive


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.

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*Prices displayed assume no lifetime health cover loading and base tier government rebate included. Price may vary if details change.

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. (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 5, 7 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
    $1250

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 $115  
Mouthguard $110 Limit of one per person, per calendar year
1 surface filling – posterior tooth $106  

Major Dental

Waiting Period: 12 months
  Benefit Annual Limit
    $2,000
Periodontics   $1,500
Course of non-surgical treatment. (Fixed rebates apply to some periodontics services)        80%  
Endodontics   $1.500
Preparation of root canal – one canal $190  
Root canal obturation – one canal $200  
Crowns and bridges   $1,500
Full crown veneered – indirect $1,035  
Procedures for dental implants   $1,500
Full crown attached to implant-veneer-indirect $1,040  
Dentures   $1,000
Complete upper denture $655  
Complete upper and lower denture $1,000 Limit of one upper and one lower denture per person, payable every two calendar years
Orthodontics   $1,200
Course of treatment (Fixed rebates apply on some orthodontic services) 100%  
Lifetime limit   $3,000

Pharmacy

Waiting Period: 2 months
  Benefit Annual Limit
    $600
Per non-PBS prescription $90  

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

Waiting Period: 6 months
  Benefit Annual Limit
*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  
Hard contacts $350  
Disposable contacts (12-month supply) $350  
Repairs to frames $30  

Physiotherapy

Waiting Period: 2 months
  Benefit Annual Limit
    $1,000
Physiotherapy – initial $60  
Physiotherapy – subsequent $47  
Exercise physiology – initial $50 $200
Exercise physiology – subsequent $39  
Approved group sessions (including hydrotherapy) $25 $500
Ante-natal / Post-natal $25 $500
Lymphedema $45  

Other Therapies

Waiting Period: 2 months
  Benefit Annual Limit
    $1,000
Podiatry – initial $45 $500
Podiatry – subsequent $36  
Occupational therapy – initial $75 $500
Occupational therapy – subsequent $54  
Eye therapy – initial $70 $500
Eye therapy – subsequent $43  
Speech therapy – initial $90 $500
Speech therapy – subsequent $57  
Dietetics – initial $80 $500
Dietetics – subsequent $50  

Clinical Psychology

Waiting Period: 12 months
  Benefit Annual Limit
    $500
Initial consultation $95  
Subsequent consultation $90  

Home Nursing

Waiting Period: 2 months
  Benefit Annual Limit
    $500
Per service (For services rendered by a registered nurse in private practice) $55  

Health Appliances and Aids

Waiting Period: 12 months
  Benefit Annual Limit
*a full list is available on request from St.LukesHealth   $1,500
Foot orthotics (custom-made) 90% $250
Repair to custom-made foot orthotics $35 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

Audiology

Waiting Period: 2 months
  Benefit Annual Limit
    2 per year
Per consultation $45  

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 for any other source.

Diabetes Education

Waiting Period: 2 months
  Benefit Annual Limit
Initial consultation $60 Included in dietetics limit
Subsequent consultation $50 Included in dietetics limit

Health Management Programs

Waiting Period: 3 months
  Benefit Annual Limit
Singles policy – per year 70% $100
Family/couples policy, per year 70% $200

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 Annual Limit
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 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
    $1,000
Chiropractic – initial $45 $500
Chiropractic – subsequent       $33  
Chiropractic – x-rays $60 Included in chiropractic limit
Osteopathic – initial $55 Included in chiropractic limit
Osteopathic – subsequent $45 Included in chiropractic limit
Acupuncture – initial $40 $500
Acupuncture – subsequent $35  
Natural therapies – initial
(Includes Chinese and Western herbal consultations, Homeopathy, Myotherapy and Naturopathy)
$37 $500
Natural therapies – subsequent
(Includes Chinese and Western herbal consultations, Homeopathy, Myotherapy and Naturopathy)
$33  
Remedial Massage
Sublimit per person per calendar year, included in Natural Therapies limit
   
Remedial Massage – initial $40 Included in Natural Therapies limit
Remedial Massage – subsequent $35 Included in Natural Therapies limit
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.

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