Bronze Plus Hospital

Bronze Plus Hospital

Reassurance starts with simplicity.

With multiple excess options available, live life your way with this affordable option.

Our Bronze Plus Hospital products give you top private Hospital cover for the clinical categories covered, with the choice of several excess options.

This product provides members with cover for more than the minimum clinical category services for a Bronze tier product however it has more exclusions than our Silver Plus cover options.

The clinical category of hospital psychiatric services is a restricted service meaning the benefit is limited, once the excess is deducted, to the public hospital shared ward room rate if you elect to be treated as a private patient in a public hospital.  There is very limited cover for a restricted service in a private hospital.  If you do elect to be treated in a private hospital for the restricted services significant out-of-pocket costs will apply.  Some clinical categories are excluded from cover and therefore no benefit is payable.

You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.

For all Bronze Plus Hospital products, the full excess for adults applies to both same-day and overnight hospitalisations. The excess does not apply to child dependants covered on the policy.

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 Lukes can be found here.

Hospital Cover Benefits Bronze Plus Hospital 
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).  Yes
Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in all public hospitals within Australia. Yes
Benefits towards approved surgically implanted prostheses. Yes
The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services performed while you are an inpatient in hospital. Yes
Additional gap cover benefit for medical services provided by practitioners participating in St Lukes Medical Gap Cover. Yes
Benefits towards uncontracted private hospitals (patient gaps may apply, you should check with St Lukes before being admitted to an uncontracted hospital). Yes
No waiting periods apply if switching to an equivalent or lower level of cover. Yes
Full cover for intensive care in all contracted private hospitals (medical certification is required). Yes
Full cover for coronary care in all contracted private hospitals (medical certification is required). No
Hospital accommodation for podiatric surgery (doesn't include doctors' fees). No
Excess applies for overnight hospitalisations. Yes
Excess applies for same-day hospitalisations. Yes
No excess on hospitalisations for child dependants. Yes
Exempts high income earners from having to pay the additional Medicare Levy Surcharge. Yes
Access to our Private Postnatal Care Service for Northern Tasmanian members. No
No excluded services. No
Cosmetic surgery and other surgical procedures not covered by Medicare. No

Hospital Benefits

Weight loss surgery

Dialysis for chronic kidney disease

Joint replacements


Sleep Studies

Pain management with device

Insulin pumps

Assisted reproductive services

Pregnancy and birth

Podiatric surgery (provided by an accredited podiatric surgeon)

Heart and vascular system

Back, neck and spine (incl. fusion)

Implantation of hearing devices

Plastic and reconstructive surgery (medically necessary)


Lung and chest

Dental surgery

Diabetes (excluding insulin pumps)


Miscarriage and termination of pregnancy

Male reproductive system

Kidney and bladder

Eye (not cataracts)

Breast surgery (medically necessary)

Pain management

Chemotherapy, radiotherapy and immunotherapy for cancer

Gastrointestinal and endoscopy

Digestive system

Brain and nervous system


Hernia and appendix

Joint reconstruction

Bone, joint and muscle

Tonsils, adenoids and grommets

Ear, nose & throat

Palliative care

Hospital psychiatric services (R)


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.