Superior Gold 500

Superior Gold 500 offers top hospital cover with a $500 excess. By selecting an excess, you can reduce your premium and save money.

Superior Gold 500 provides you with cover for all the clinical category services.
You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.
  Per calendar year Per person, per calendar year Maximum per policy, per calendar year
Superior Gold 500 $500 $500 $1000

An excess of $250 per admission applies to same-day hospital treatment on Superior Gold 500. The full excess of $500 per person applies to overnight hospital treatment (less any excess that has already been applied to same-day treatment for that person in the same calendar year).

Superior Gold 500 Extended available on this product:
Our dependent extension option means that your 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 our membership conditions.

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


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

Excess for overnight hospitalisation.

Excess for overnight hospitalisation.

Half excess on same-day hospitalisations

Only half the excess is payable on same day hospital stays

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

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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