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Private health insurance explained

Private health insurance explained

Private health insurance provides you with greater control and more choices to meet your health care needs. With St Lukes, members have peace of mind knowing they will be covered for private hospital care and extras services not covered by Medicare. 

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What is Health Insurance?

Health insurance is divided into three types of cover – Hospital, general treatment (or Extras cover) or a combination of both products. St Lukes Private Health Insurance gives you access to a range of subsidised health care services making sure you get fast and quality treatment. It’s an investment in your health and gives you better access to the health care you need. 

Why do you need health insurance?

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. 

Why choose St Lukes?

For over 70 years, St Lukes has been committed to private health insurance that offers genuine care for Tasmanians. That means being locally owned and not-for-profit, ensuring we answer to our members - not shareholders. That means investing our efforts and our profits back into the community. 

The Australian Government Rebate and PHI

There are a number of Government Surcharges and incentives as part of the private health system to encourage people to take our private health insurance. These include the Australian Government Rebate, Lifetime Health Cover, and the Medicare Levy Surcharge.

Looking to switch to St Lukes?


Choose the cover that suits your needs

Use our online cover selector to find a level of cover to suit your lifestyle needs, or get in touch with our team to receive a personalised cover review.


Switch to St Lukes

You can switch to St Lukes online, instore or over the phone. We have many options to make switching to St Lukes easy.


St Lukes will do the rest

We will do all the paperwork for you and we’re happy to have that awkward ‘it’s-not-me-it’s-you’ conversation with your previous insurer.

Want to find our more?

Want to find our more?

Contact St Lukes today!

Frequently asked questions