Switching is Easy

Claim straight away for most services

If you have served all waiting periods with your previous health fund, you will enjoy immediate cover when you transfer to St.LukesHealth for equivalent benefits common to both funds, providing you transfer within two months of ceasing cover with your previous fund. If you transfer to a higher level of cover, some waiting periods may apply for the higher benefit. If you have used some or all of an annual limit or lifetime limit with your previous fund, we will adjust the balance of your benefit entitlement for the relevant period and limit. 

Cover for the whole family

Children can remain on their parent’s policy until they reach the age of 23, providing they are not married or living in a defacto relationship. Single, full-time student dependants can remain on their parent’s policy until they reach the age of 25 if fully dependent on their parents.

^{Non-student child dependants can remain on their parent’s policy for an additional premium, provided they are aged between 23 and 25, are not married or living in a defacto relationship and not studying full-time. Our Dependant Extension option is available on selected hospital and package products.} 
 

Gap Free Preventative Dental

We offer cover options with Gap Free Preventative Dental for all the family at your choice of dentist.
Under Gap Free Preventative Dental, we pay 100 percent of your dentist’s regular fee* up to a maximum benefit for each eligible service. This means for most dentists you will have no gap or out-of-pocket expense to pay for an examination, x-ray, scale and clean and fissure sealing.
_{*Regular fee refers to the average fee your dentist charges to all patients of his or her practice for each eligible service}
 

Our membership guarantee

If within the first 30 days of joining St.LukesHealth you are not fully satisfied with the cover you have chosen, we will refund any premium paid by you providing there have been no claims made against your policy during that period.
 

No hospital excess for children

If you choose a cover with an excess you will not pay the excess on most hospital covers if a child covered on your policy needs to go to hospital

 

Be rewarded for staying a member

At St.LukesHealth we value the relationship we have with our members – that is why we have introduced Member Rewards. We will reward each person who has held top extras cover with St.LukesHealth for five years or more with a 5 percent increase in their dental benefits and annual dental limits.