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6 weeks free – Join St Lukes today and you’ll get 6 weeks free on eligible products. Plus, we’ll also waive all 2, 3, and 6 month waiting periods on extras. Offer ends March 31, 2024, T&Cs apply

An excess is the amount you agree to pay in each calendar year towards your hospital treatment. A calendar year runs from January 1 to December 31.

Once you have paid your excess for Hospital treatment you will not have to pay another excess for the rest of that calendar year, no matter how many times you are admitted to hospital for treatment.

For families, there is a safety net. The excess on a family policy only applies to the adults who are admitted to hospital in the same calendar year. The excess does not apply to child dependants covered on the policy, with the exception of Gold Hospital 1000 where the excess applies to both adults and children.

For a single-parent policy, the excess only applies to the adult covered on the policy. It does not apply to the child dependants covered on the policy.

The excess will apply to both overnight and same-day hospital treatment for adults on Gold Hospital 300, 500 and 750. The same-day excess is half the chosen excess up to the maximum product excess. The excess does not apply to child dependants covered by the policy.

On our Silver Plus, Bronze Plus, Bronze and Basic Plus Hospital products (where available), the full excess applies to both overnight and same-day hospital treatment for adults, however the excess does not apply to child dependants covered on the policy.

On Gold Hospital 1000, an excess of $200 per admission applies to same-day hospital treatment, up to the maximum excess of $1000 per person. The full excess of $1000 per person applies to overnight hospital treatment (less any excess that has already been applied to same-day hospital treatment for that person in the same calendar year). The excess applies to both adults and child dependants on Gold Hospital 1000.

On products where the excess does not apply to child dependants and when there are no adults on the policy, the excess will be applied to the child dependant who is nominated as the policyholder.

The excess does not apply to inpatient medical services or Extras benefits.

Want to find out more?

Want to find out more?

Contact St Lukes today!

An Excess

An Excess

You can lower your premium by choosing an excess on your Hospital cover