St Lukes
fund code SLM · Open membership
Also sold as Astute Simplicity Health
Health insurance
St Lukes sells 1,554 open policies with hospital cover (570 hospital-only, 984 combined with extras, counting one per state and household type) in all states, grouped below into 66 products, of which 34 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Astute Gold Hospital 250 | Gold | Hospital | $250 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $185.60 – $657.00 | |
| Astute Gold Hospital 250 Extended | Gold | Hospital | $250 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA | FFamily | $665.50 – $821.25 | |
| Astute Gold Hospital 500 | Gold | Hospital | $500 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $159.90 – $632.80 | |
| Astute Gold Hospital 500 Extended | Gold | Hospital | $500 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA | FPFamily, Single parent | $495.00 – $791.00 | |
| Astute Gold Hospital 750 | Gold | Hospital | $750 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $142.30 – $760.00 | |
| Gold Hospital 300 | Gold | Hospital | $300 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $233.20 – $805.00 | ||
| Gold Hospital 300 - Extended | Gold | Hospital | $300 | None | 38 | 0 | All states | FPFamily, Single parent | $466.40 – $1,006.25 | ||
| Gold Hospital 500 | Gold | Hospital | $500 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $218.40 – $769.60 | ||
| Gold Hospital 500 - Extended | Gold | Hospital | $500 | None | 38 | 0 | All states | FPFamily, Single parent | $436.80 – $962.00 | ||
| Gold Hospital 750 | Gold | Hospital | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $205.00 – $740.20 | ||
| Gold Hospital 750 - Extended | Gold | Hospital | $750 | None | 38 | 0 | All states | FPFamily, Single parent | $410.00 – $925.25 | ||
| Astute Gold Hospital 250 and Astute Extras Protect | Gold | Combined | $250 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $277.60 – $884.80 | |
| Astute Gold Hospital 250 and Astute Extras Protect Extended | Gold | Combined | $250 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA | FPFamily, Single parent | $749.00 – $1,106.00 | |
| Astute Gold Hospital 250 and Astute Wellbeing Extras | Gold | Combined | $250 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $263.80 – $1,052.75 | |
| Astute Gold Hospital 500 and Astute Extras Protect | Gold | Combined | $500 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $251.90 – $860.60 | |
| Astute Gold Hospital 500 and Astute Extras Protect Extended | Gold | Combined | $500 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA | FPFamily, Single parent | $711.60 – $1,075.75 | |
| Astute Gold Hospital 500 and Astute Wellbeing Extras | Gold | Combined | $500 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $238.10 – $1,022.50 | |
| Astute Gold Hospital 750 and Astute Extras Protect | Gold | Combined | $750 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $234.30 – $1,044.75 | |
| Astute Gold Hospital 750 and Astute Wellbeing Extras | Gold | Combined | $750 | None | 38 | 0 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $220.50 – $991.50 | |
| Gold Hospital 300 and Super Extras | Gold | Combined | $300 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $346.50 – $1,334.50 | ||
| Gold Hospital 500 and Super Extras | Gold | Combined | $500 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $331.70 – $1,290.50 | ||
| Gold Hospital 750 and Super Extras | Gold | Combined | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $318.30 – $1,253.75 | ||
| Packaged Ultimate Gold | Gold | Combined | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $385.60 – $1,171.60 | ||
| Packaged Ultimate Gold Extended | Gold | Combined | — | None | 38 | 0 | All states | FPFamily, Single parent | $771.20 – $1,464.50 | ||
| Pasplan Gold | Gold | Combined | — | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $337.40 – $887.25 | |
| Pasplan Gold Status 85 | Gold | Combined | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $383.40 – $1,008.50 | ||
| Pasplan Gold Status 85 with excess | Gold | Combined | $150 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $357.70 – $929.25 | ||
| Pasplan Gold with excess | Gold | Combined | $150 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $314.80 – $817.75 | |
| Astute Silver Plus Hospital 250 | Silver Plus | Hospital | $250 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $127.20 – $614.00 | |
| Astute Silver Plus Hospital 500 | Silver Plus | Hospital | $500 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $109.70 – $550.50 | |
| Astute Silver Plus Hospital 750 | Silver Plus | Hospital | $750 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $88.70 – $498.00 | |
| Planner Silver Plus Hospital 250 | Silver Plus | Hospital | $250 | None | 31 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $263.10 – $526.20 | ||
| Planner Silver Plus Hospital 500 | Silver Plus | Hospital | $500 | None | 31 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $244.80 – $489.60 | ||
| Protector Silver Plus Hospital 250 | Silver Plus | Hospital | $250 | None | 35 | 0 | TAS | SCFPSingle, Couple, Family, Single parent | $263.00 – $526.00 | ||
| Protector Silver Plus Hospital 500 | Silver Plus | Hospital | $500 | None | 35 | 0 | TAS | SCFPSingle, Couple, Family, Single parent | $244.80 – $489.60 | ||
| Protector Silver Plus Hospital 750 | Silver Plus | Hospital | $750 | None | 35 | 0 | TAS | SCFPSingle, Couple, Family, Single parent | $242.20 – $484.40 | ||
| Silver Plus Hospital 250 | Silver Plus | Hospital | $250 | None | 30 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $225.30 – $450.60 | ||
| Silver Plus Hospital 500 | Silver Plus | Hospital | $500 | None | 30 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $154.40 – $571.40 | ||
| Silver Plus Hospital 750 | Silver Plus | Hospital | $750 | None | 30 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $132.80 – $528.40 | ||
| Astute Silver Plus Hospital 250 and Astute Extras Protect | Silver Plus | Combined | $250 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $219.20 – $898.75 | |
| Astute Silver Plus Hospital 250 and Astute Wellbeing Extras | Silver Plus | Combined | $250 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $205.40 – $845.50 | |
| Astute Silver Plus Hospital 500 and Astute Extras Protect | Silver Plus | Combined | $500 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $201.70 – $835.25 | |
| Astute Silver Plus Hospital 500 and Astute Wellbeing Extras | Silver Plus | Combined | $500 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $187.90 – $782.00 | |
| Astute Silver Plus Hospital 750 and Astute Extras Protect | Silver Plus | Combined | $750 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $180.70 – $782.75 | |
| Astute Silver Plus Hospital 750 and Astute Wellbeing Extras | Silver Plus | Combined | $750 | None | 30 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $166.90 – $729.50 | |
| Planner Silver Plus Hospital 250 and Super Extras | Silver Plus | Combined | $250 | None | 31 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $352.00 – $704.00 | ||
| Planner Silver Plus Hospital 500 and Super Extras | Silver Plus | Combined | $500 | None | 31 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $333.70 – $667.40 | ||
| Protector Silver Plus Hospital 250 and Super Extras | Silver Plus | Combined | $250 | None | 35 | 0 | TAS | SCFPSingle, Couple, Family, Single parent | $351.90 – $703.80 | ||
| Protector Silver Plus Hospital 500 and Super Extras | Silver Plus | Combined | $500 | None | 35 | 0 | TAS | SCFPSingle, Couple, Family, Single parent | $333.70 – $667.40 | ||
| Astute Bronze Plus Hospital 250 | Bronze Plus | Hospital | $250 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $111.60 – $518.75 | |
| Astute Bronze Plus Hospital 500 | Bronze Plus | Hospital | $500 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $88.60 – $454.25 | |
| Bronze Plus Hospital 250 | Bronze Plus | Hospital | $250 | None | 24 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $180.30 – $360.60 | ||
| Bronze Plus Hospital 500 | Bronze Plus | Hospital | $500 | None | 24 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $113.70 – $385.00 | ||
| Bronze Plus Hospital 750 | Bronze Plus | Hospital | $750 | None | 24 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $100.50 – $356.60 | ||
| Astute Bronze Plus Hospital 250 and Astute Extras Protect | Bronze Plus | Combined | $250 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $203.60 – $642.80 | |
| Astute Bronze Plus Hospital 250 and Astute Extras Protect Extended | Bronze Plus | Combined | $250 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA | FPFamily, Single parent | $524.40 – $803.50 | |
| Astute Bronze Plus Hospital 250 and Astute Wellbeing Extras | Bronze Plus | Combined | $250 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $189.80 – $750.25 | |
| Astute Bronze Plus Hospital 500 and Astute Extras Protect | Bronze Plus | Combined | $500 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $180.60 – $591.20 | |
| Astute Bronze Plus Hospital 500 and Astute Extras Protect Extended | Bronze Plus | Combined | $500 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA | FPFamily, Single parent | $480.20 – $739.00 | |
| Astute Bronze Plus Hospital 500 and Astute Wellbeing Extras | Bronze Plus | Combined | $500 | None | 28 | 1 | Corporate | NSW, VIC, QLD, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $166.80 – $685.75 | |
| Bronze Plus Hospital 500 and Super Extras | Bronze Plus | Combined | $500 | None | 24 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $227.00 – $647.60 | ||
| Bronze Plus Hospital 750 and Super Extras | Bronze Plus | Combined | $750 | None | 24 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $213.80 – $619.20 | ||
| Bronze Hospital 250 | Bronze | Hospital | $250 | None | 20 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $167.00 – $334.00 | ||
| Bronze Hospital 500 | Bronze | Hospital | $500 | None | 20 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $150.10 – $300.20 | ||
| Bronze Hospital 750 | Bronze | Hospital | $750 | None | 20 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $141.60 – $283.20 | ||
| Basic Plus Hospital 500 | Basic Plus | Hospital | $500 | None | 12 | 1 | TAS | SCFPSingle, Couple, Family, Single parent | $128.10 – $256.20 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 28 of 38 categories covered, 1 restricted, 9 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Joint replacements, Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Astute Bronze Plus Hospital 250 (Bronze Plus, hospital); Astute Bronze Plus Hospital 500 (Bronze Plus, hospital); Astute Bronze Plus Hospital 250 and Astute Extras Protect (Bronze Plus, combined); Astute Bronze Plus Hospital 250 and Astute Extras Protect Extended (Bronze Plus, combined); Astute Bronze Plus Hospital 250 and Astute Wellbeing Extras (Bronze Plus, combined); Astute Bronze Plus Hospital 500 and Astute Extras Protect (Bronze Plus, combined); Astute Bronze Plus Hospital 500 and Astute Extras Protect Extended (Bronze Plus, combined); Astute Bronze Plus Hospital 500 and Astute Wellbeing Extras (Bronze Plus, combined)
Cover profile 2 · 30 of 38 categories covered, 1 restricted, 7 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Astute Silver Plus Hospital 250 (Silver Plus, hospital); Astute Silver Plus Hospital 500 (Silver Plus, hospital); Astute Silver Plus Hospital 750 (Silver Plus, hospital); Silver Plus Hospital 250 (Silver Plus, hospital); Silver Plus Hospital 500 (Silver Plus, hospital); Silver Plus Hospital 750 (Silver Plus, hospital); Astute Silver Plus Hospital 250 and Astute Extras Protect (Silver Plus, combined); Astute Silver Plus Hospital 250 and Astute Wellbeing Extras (Silver Plus, combined); Astute Silver Plus Hospital 500 and Astute Extras Protect (Silver Plus, combined); Astute Silver Plus Hospital 500 and Astute Wellbeing Extras (Silver Plus, combined); Astute Silver Plus Hospital 750 and Astute Extras Protect (Silver Plus, combined); Astute Silver Plus Hospital 750 and Astute Wellbeing Extras (Silver Plus, combined)
Cover profile 3 · 24 of 38 categories covered, 1 restricted, 13 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Rehabilitation, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Plus Hospital 250 (Bronze Plus, hospital); Bronze Plus Hospital 500 (Bronze Plus, hospital); Bronze Plus Hospital 750 (Bronze Plus, hospital); Bronze Plus Hospital 500 and Super Extras (Bronze Plus, combined); Bronze Plus Hospital 750 and Super Extras (Bronze Plus, combined)
Cover profile 4 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Astute Gold Hospital 250 (Gold, hospital); Astute Gold Hospital 250 Extended (Gold, hospital); Astute Gold Hospital 500 (Gold, hospital); Astute Gold Hospital 500 Extended (Gold, hospital); Astute Gold Hospital 750 (Gold, hospital); Gold Hospital 300 (Gold, hospital); Gold Hospital 300 - Extended (Gold, hospital); Gold Hospital 500 (Gold, hospital); Gold Hospital 500 - Extended (Gold, hospital); Gold Hospital 750 (Gold, hospital); Gold Hospital 750 - Extended (Gold, hospital); Astute Gold Hospital 250 and Astute Extras Protect (Gold, combined) and 16 more
Cover profile 5 · 35 of 38 categories covered, 0 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Protector Silver Plus Hospital 250 (Silver Plus, hospital); Protector Silver Plus Hospital 500 (Silver Plus, hospital); Protector Silver Plus Hospital 750 (Silver Plus, hospital); Protector Silver Plus Hospital 250 and Super Extras (Silver Plus, combined); Protector Silver Plus Hospital 500 and Super Extras (Silver Plus, combined)
Cover profile 6 · 31 of 38 categories covered, 1 restricted, 6 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Weight loss surgery
Products Planner Silver Plus Hospital 250 (Silver Plus, hospital); Planner Silver Plus Hospital 500 (Silver Plus, hospital); Planner Silver Plus Hospital 250 and Super Extras (Silver Plus, combined); Planner Silver Plus Hospital 500 and Super Extras (Silver Plus, combined)
Cover profile 7 · 12 of 38 categories covered, 1 restricted, 25 not covered
Covered Dental surgery, Ear, nose and throat, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Miscarriage and termination of pregnancy, Palliative care, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Basic Plus Hospital 500 (Basic Plus, hospital)
Cover profile 8 · 20 of 38 categories covered, 1 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Rehabilitation, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Hospital 250 (Bronze, hospital); Bronze Hospital 500 (Bronze, hospital); Bronze Hospital 750 (Bronze, hospital)
Extras profiles
Extras profile 1 · 20 services
Services Acupuncture, Antenatal and postnatal, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthoptics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage
Products Astute Gold Hospital 250 and Astute Wellbeing Extras (Gold, combined); Astute Gold Hospital 500 and Astute Wellbeing Extras (Gold, combined); Astute Gold Hospital 750 and Astute Wellbeing Extras (Gold, combined); Astute Silver Plus Hospital 250 and Astute Wellbeing Extras (Silver Plus, combined); Astute Silver Plus Hospital 500 and Astute Wellbeing Extras (Silver Plus, combined); Astute Silver Plus Hospital 750 and Astute Wellbeing Extras (Silver Plus, combined); Astute Bronze Plus Hospital 250 and Astute Wellbeing Extras (Bronze Plus, combined); Astute Bronze Plus Hospital 500 and Astute Wellbeing Extras (Bronze Plus, combined)
Extras profile 2 · 25 services
Services Acupuncture, Antenatal and postnatal, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy
Products Astute Gold Hospital 250 and Astute Extras Protect (Gold, combined); Astute Gold Hospital 250 and Astute Extras Protect Extended (Gold, combined); Astute Gold Hospital 500 and Astute Extras Protect (Gold, combined); Astute Gold Hospital 500 and Astute Extras Protect Extended (Gold, combined); Astute Gold Hospital 750 and Astute Extras Protect (Gold, combined); Gold Hospital 300 and Super Extras (Gold, combined); Gold Hospital 500 and Super Extras (Gold, combined); Gold Hospital 750 and Super Extras (Gold, combined); Packaged Ultimate Gold (Gold, combined); Packaged Ultimate Gold Extended (Gold, combined); Pasplan Gold (Gold, combined); Pasplan Gold Status 85 (Gold, combined) and 15 more
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (66 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/st-lukes.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.