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St. Lukes Health

St. Lukes Health

3.8 from 13 reviews

See the Best Health Insurance in 2019 as rated by Australians on ProductReview.com.au.

Keep the money in YOUR pockets!

Far too difficult to make a claim. Wasted a lot of money. Very difficult to claim upfront or just pay a gap as they aren't a preferred Health Insurer. My premiums increased (without warning) within a week of me joining & I had chosen the Super Extras plan for it's "good value and cover"- HA! I could/should have spent all the money on our health upkeep instead of giving it away.

Value for Money
Customer Service
Plan CoverageExtras Only
Coverage TypeFamily
Claim MadeNo
Book AgainNo

Beautiful facility lovely staff

Beautiful facility lovely staff. I was a day patient St Luke’s private hospital and it was the best experience I’ve had in hospital lovely staff beautiful facilities yummy food Could not ask for more.

Insurance claim madeNo

Not as good as it once was...........

I've been a member for over a decade and until this year rated St Luke's highly. No more as it seems to be following Medibank and BUPA in removing or changing its benefits. Case in point-it suddenly introduced a $250 co-payment for hospital day surgery (previously there was none). There was a hefty premium rise this year but as far as I can tell benefits in my extras cover were not increased. Supposedly a mutual (non-profit) fund but their recent antics make me wonder.

Insurance claim madeYes

Great Extras cover for my family

One of the only places I could find that let us have a very high level of extras cover without having to have hospital cover.
Best value cover for my family I've seen.

Insurance claim madeYes

Overall OK but............

I've been with them for over a decade and this not-for-profit fund is good value. Its customer service can be variable and at one time I had to indicate to them I would go the the Health Insurance Ombudsman to get a matter resolved. The matter was then resolved but some of the middle management there act like they are doing you a great favor by allowing you to pay contributions.

Insurance claim madeYes

Great extras cover and easy to deal with.

I changed to St Lukes for Extras cover last March, to gain cover for planned major dental surgery this year. Choice.com rated St Lukes as best for high level extras cover at a reasonable cost, and I've been very happy with them. I claim for a massage each month, and the rebates on my massages alone make the extras premium worthwhile, even before the major dental rebate. St Lukes has an app for claiming, so I can upload a photo/screenshot of my paid invoices, and submit within a few clicks. Rebate is in my account within a few days.

Insurance claim madeYes

Excellent rebates

We have been with St Lukes Extras for years. Very satisfied with excellent rebates and customer service over the phone. Whenever we go to the orthodontist or dentist, the receptionist always comments at how little or no cost we actually pay. And that is not at the expense of our premiums which are comparable to otherr funds. People behind us at the counter always ask us when we move away from the counter, having only paid out a small gap or none at all. We will always recommend St Lukes!!!

Insurance claim madeYes

Switched to St. Lukes, haven't regretted it!

I have been with St lukes for a while now and had only claimed dental and had been really impressed with the dental side of things (no out of pocket for dental checks, clean, x-rays). Over the weekend I had my eyes tested and was told I needed glasses. The optometrist I went to had an agreement with St. Lukes and in total my bill came to over $800. After discounts were applied for being with St. Lukes and then actually making a claim, my out of pocket was only $69!! I love St. Lukes and would recommend them to EVERYONE!

Insurance claim madeYes

Great Cover

We have been with St Luke's for a few years now. I find their claims time very quick. I have never had a problem with a claim taking very long at all. Once submitted, the refund is usually back in my account within a couple of days.

Insurance claim madeYes

Impressed with customer service

Fortunately I have not had to claim as yet. Very impressed with the customer service from Belinda at the Hobart office really helped my daughter and I work around how we could change over from BUPA. I saved money. I'm impressed that I am not dictated to by which dentist or physio etc I have to go to

Insurance claim madeNo

No response

Sent two emails to St Lukes via their website regarding switching from Medibank Private and never heard back from them, this was around 3 and 5 months ago. Nothing. Crickets. I know I should instead phone them but why have an 'email enquiry' section on their website if they don't look at it?

Insurance claim madeNo

Takes so long to make a claim.

I have been with many health funds never had a claim that takes well over a month and still ongoing. It is not first time I made the claim and disappoint me that I have wait for this long, it stops me whether I would continue my treatment with my long term practitioner. Utterly disappointed, don't understand why I would want to continue with St Lukes at all.

Insurance claim madeYes

Excellent Customer Service and reasonably priced

I have been with Medibank Private for over 30 years and have recently found that they their premiums have skyrocketed and the amount received back on claims is a joke. So it was time to change our health insurance cover. After a lot of research and phone calls, I found St Lukes. They were very helpful with all of my queries, and their premiums are substantially less than those of Medibank. We have their Packaged Gold cover for Hospital and Extras. When comparing companies, it appears that St Lukes claim payments are substantially more generous than Medibank Private, and they don't have preferred providers.

I have made one claim on my phone app a few days after joining and it was a very easy process. The money was transferred into my account promptly. So far, so good. We will need to make a few dental claims shortly - which should be a good test. They say they will refund 100% of all preventative dental claims and allow for 2 such claims per person per annum.

So far, I'm very pleased to have made the move.

1 comment
I read a review of claims taking over a month. I have made numerous claims and most have been processed the following day - a few a day or two afterwards. All my claims are made via the phone app - perhaps this makes a difference.

Questions & Answers

That's interesting. I've been with Medibank for 15 years and aside from their ever increasing premiums, I am not overly impressed with their customer service. I would be interested in any updates in how you found claiming and premiums with ST Lukes? if you are able to do any updates.
1 answer
Our premiums were substantially lower with St Lukes - we saved about $1400 on our yearly family premium, which was fantastic. I found our premiums with Medibank were increasing but the amount being received back on our claims was decreasing. Claiming with St Lukes has been very simple - either i claim immediately or I do it on my phone as they have an app. It is just a matter of taking a photo of the receipt, selecting who the claim was for, and submitting it. I normally receive the money the following day or two. The amount received back has been fantastic. I went to my regular dentist recently and had a check-up and clean, and was not out of pocket at all. I also had a crown, and the amount claimed back was substantially higher than with Medibank. My children went to a local dentist (of our choice), and once again we weren't out of pocket for a checkup, clean, fissure sealants, and a mouth guard. I've also found phoning them for queries has been great. They answer the phone immediately and I receive a response straight away too. So far, so good.


St. Lukes Health
CategoryHealth Insurance
Contact Number 1300 651 988
Address17 Quadrant Mall, Launceston TAS 7250, Australia
Email Address general@stlukes.com.au
24-Hour Phone Contact No

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