Hospital cover

A hospital visit can be expected, or it can take us by surprise. Either way, no one wants a long wait or high fees. St Lukes makes sure you are covered when you need it.

Hospital cover

What is Hospital cover?

Hospital cover gives you the freedom to be treated by your doctor of choice, in a private or public hospital at a time when you need it most.

What Hospital cover is best for me?

St Lukes Hospital cover is designed to offer a range of cover options to meet the lifestyle needs of Tasmanians. So that you can choose the right Hospital cover for you, the St Lukes cover review will consider your personal circumstances and needs against our range of cover options.

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.

Looking to switch to St Lukes?

1

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.

2

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.

3

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 out more?

Contact St Lukes today!

Frequently asked questions

: A waiting period is the length of time you must wait before you become eligible for benefits in your private Health Insurance policy. Waiting periods apply to new members and to members rejoining after a lapse in cover. Waiting periods may also apply to additional benefits when you change your level of cover. Learn more about waiting periods.
: Current members can change their level of cover at any time on St.LukesHealth Connect. Our assessment process makes sure you are on the policy that’s right for you. Please note some waiting periods may apply.
: An excess is the amount you agree to pay in each calendar year towards your hospital treatment. A calendar year runs from January 1 to December 31. Read more about an excess.
: If you don't have Hospital cover, you won't have the freedom to be treated by your doctor of choice, in a private or public hospital at a time that suits you. You may also be charged more if you take out Hospital cover later on in life, or you may be charged the Medicare Levy Surcharge. Get a quote for Hospital cover.
: Depending on your level of cover, you will be covered for certain clinical categories under your Hospital cover. Use our cover selector to learn more about our Hospital cover options.
: Waiting periods apply to new members and to members rejoining after a lapse in cover. Waiting periods may also apply to additional benefits when someone changes their level of cover. Learn more about waiting periods.
: If you take out private Hospital cover with St Lukes, you will be exempt from paying the Medicare Levy Surcharge from the date the policy is effective on all Hospital covers, with the exception of our high excess product – Gold Hospital 1000. Read more about the Medicare Levy Surcharge.
: You can use your hospital cover at any hospital, but your out-of-pocket costs may vary depending on if your doctor is willing to participate in St Lukes Medical Gap. Find out the questions about Going to Hospital.
: Ambulance services are not covered by any St Lukes hospital or extras products. The costs associated with Emergency Transport or other Ambulance Services depends on your State or Territory of residence and may vary if you are travelling interstate. Learn more about ambulance services.