Types of Cover

When you join St Lukes, our easy-to-understand information will help you find the right policy for you. Joining St Lukes means we’re with you on your health journey.

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Award-winning value

We've got you covered with award-winning value and customer service.

Because to add to our recent Canstar 2023 outstanding value award for hospital cover in Tassie and being recognised as an Employer of Choice, we’ve also just won the Roy Morgan Customer Satisfaction award for Private Health Insurer of the Year and Private Health Insurer of the Year (Not-for-profit).

Join Australia’s most satisfied customers.

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.

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.
: 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.