We've got the right health insurance to meet your lifestyle needs

Whether you are looking for a stand-alone Hospital or Extras product or a combined Hospital and Extras product, we’ve got what you are looking for.

Join now for 6 weeks free*

Join St Lukes before July 31 and you’ll get 6 weeks free on eligible products. Plus, we’ll also waive the 2, 3, and 6 month waiting periods on extras*.

*Offer ends 31st July 2025 . T&Cs apply. Click here for more details.

Types of Cover

Hospital cover

When you need to go to hospital, you know that you will be cared for. You can count on St Lukes Hospital cover when you need it the most. Select a Hospital product that suits your lifestyle, and be confident that when a hospital visit is needed, we're there for you.

Extras cover

Extras cover makes it easier for you to take care of your health. It covers benefits towards a range of preventative services not covered by Hospital cover or Medicare, including massage, dental, and physiotherapy.

Corporate cover

St Lukes corporate cover provides a discounted hospital and extras health insurance rate for eligible businesses. Our customer relationships specialists work across Australia to help employees find the best health insurance to suit their needs.

What we cover

Pregnancy

Pregnancy is an incredibly exciting time. It’s understandable that expecting parents want security around everyone's health, especially for the new member of the family. St Lukes Hospital and Extras cover helps to keep you and bub at your healthiest.

Optical

At St Lukes, we provide cover for optical health services to keep our members eye health at its best. We’re a health insurer that prioritises our members eye health through benefits towards glasses, frames, and contacts.

Dental

Getting dental work can be a scary and expensive experience. As part of our vision to make Tasmania the healthiest island on the planet, St Lukes wants to change that. We provide cover that subsidises comprehensive and reliable dental care.

Couples cover

St Lukes couples cover meets both your needs. Through a personal cover review, your healthcare needs are matched to a policy suited to your joint lifestyle. Have peace of mind knowing that you and your loved one will be cared for when you need it most.

Families cover

Families have a lot of moving parts and moving people. St Lukes understands that Tasmanian families need a policy that covers their lifestyle needs including Extras and Hospital, for young and old. St Lukes family cover is designed to do just that for Tasmanian families.

Single parent cover

Single parents sacrifice a lot for their kids, and that can include their health. Our single parent policies work to make sure your whole family is cared for and covered, including you. We want all Tasmanians to be their healthiest, for them and their loved ones.

Singles cover

St Lukes singles cover is designed for a range of individual lifestyle needs. Choose from Extras, Hospital cover, or both. Being a member of St Lukes means Tasmanians don’t have to manage their health alone.

Hospital and Extras

Choose your own Hospital and Extras package by combining a Hospital product with an Extras product. Our Hospital cover provides options and security when needed. And our Extras cover supports you in accessing preventative services that help you maintain your health. With both combined, you’ll know that your health is in good hands.

Want to find out more?

Contact St Lukes today!

Frequently asked questions

: Hospital cover gives our members access to private health care in hospitals as part of their policy. Our Hospital cover gives you the freedom to be treated by your chosen doctor when you need it. It means you avoid the waitlist of the public system and the high fees of the private system. Read more about Hospital cover.
: Health insurance protects you and your family, providing Hospital and Extras cover for you and your loved ones. Extras cover offers benefits towards the cost of an extensive range of other healthcare services not covered by Hospital cover or by Medicare, ensuring you get the most out of every day. Hospital cover gives you the peace of mind that you’ll avoid long waitlists and high fees if you ever need to go to hospital. Read more about why you need Health Insurance.
: St Lukes Extras cover supports you in accessing a range of healthcare services not covered by Medicare, including massage, dental, and physiotherapy. Read more about Extras cover.
: Health insurance is divided into three types of cover – Hospital, general treatment (or Extras cover) or a combination of both products. St Lukes Health Insurance gives you access to a range of subsidised health care services making sure you get fast and quality treatment. In Australia, health insurance is community rated. This means that all Australians are provided with equal health care regardless of age, sex or their state of health. Because of this, private health funds cannot refuse to insure an individual or refuse to sell a policy based on a person’s health and how likely they are to claim. For example, it means a single 20-year-old in good health will pay the same health insurance premium as a single 35-year-old receiving cancer treatment if they are on the same policy. Read more about Health Insurance.
: Hospital cover gives you the freedom to be treated by your doctor of choice, in a private or public hospital at a time when you need it most. Extras cover supports you in accessing a range of healthcare services not covered by Medicare, including massage, dental, and physiotherapy. Learn more about Hospital and Extras cover.
: St Lukes offers a range of ways for our members to claim on their Health Insurance policy, that includes through Customer Care Centres and Agents, our claiming app St Lukes Connect and more! Learn more about how to claim.
: The Medicare Levy Surcharge is an additional surcharge imposed on people earning above defined income thresholds who are eligible for Medicare but do not hold an appropriate level of private hospital cover. Read more about the Medicare Levy Surcharge.
: Lifetime Health Cover was introduced by the Australian Government and is designed to encourage people to take out hospital cover earlier in life and to maintain their hospital cover. Learn more about Lifetime Health Cover.
: The Medicare Levy Surcharge is an additional surcharge imposed on people earning above defined income thresholds, who are eligible for Medicare but do not hold an appropriate level of private hospital cover. To avoid paying more at Tax Time, you can take out an appropriate level of Hospital cover that does not have an excess greater than $750 for single members or greater than $1500 for couples, single parent, or family members. Learn more about the Medicare Levy Surcharge.