WHY ST.LUKESHEALTH EFFECTIVE APRIL 1, 2021
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Why St.LukesHealth Effective April 1, 2021
Welcome to
St.LukesHealth
St.LukesHealth is Australia’s St.LukesHealth offers a number of
Number One Private Health great features and benefits, including:
Insurer for Customer • Gap Free Preventative Dental
Satisfaction in 2016, 2017, for the whole family at your
2018 and 2019* and is a choice of dentist
proudly owned and operated • Child dependants are covered
Tasmanian company, providing on their family’s policy until they
Contents private health insurance to turn 23
Australians since 1952. • Student dependant and
dependant extension options
available for child dependants
St.LukesHealth presents a range of
Hospital and Extras products that are • Half the excess on same-day
specifically designed to provide you hospital procedures on selected
with options that suit your lifestyle products
Welcome to St.LukesHealth 2 and financial needs. Our customer • No hospital excess for child
care team is trained to provide you dependants on selected
Why you should consider private health insurance 3 with a personalised service to help products
you choose the level of cover you
require. • Member rewards for long-term
Product features 5
members
Payment options 7 Our public health system does not • No waiting periods apply when
provide you with the freedom to switching to an equivalent level
choose where or by whom you wish of cover with St.LukesHealth,
Claiming options 8
to be treated. With St.LukesHealth, providing all waiting periods
you will have greater control and have been served at the
St.LukesHealth Connect 9 previous insurer.
more choices to meet your health
care needs.
Nourish Baby Program 9 Whether you are new to private
health insurance or switching to
Snug - Free for St.LukesHealth members 10 St.LukesHealth from another insurer,
we are here to help.
The information contained in this brochure should be read carefully in conjunction
with the Important Information about Private Health Insurance brochure and the
St.LukesHealth Hospital and Extras product brochures and retained.
Brochures can be found at www.stlukes.com.au. * Roy Morgan Customer Satisfaction Awards.
Why St.LukesHealth 2
Why should you consider private You may avoid the
Medicare Levy Surcharge
If you take out private Hospital cover
with St.LukesHealth, you may be
health insurance The Medicare Levy Surcharge (MLS)
exempt from paying the Medicare
Levy Surcharge from the date the
is another Australian Government policy is effective on all Hospital
Private hospital care and If a Lifetime Health Cover loading is initiative. If your taxable income is covers, with the exception of our high
choice of doctor applied to your premium, it can be above the defined income thresholds excess product – Gold Hospital 1000.
removed after you have held Hospital set by the Government, you will
Medicare provides you with access to be required to pay an additional For further information, visit our
cover for 10 continuous years. website at www.stlukes.com.au or
emergency care in a public hospital. Medicare Levy Surcharge of up to
For more information on Lifetime 1.5% if you don’t hold an appropriate refer to The Australian Government
However, for elective surgery you Health Cover, refer to our Important level of private Hospital cover. An Rebate on Private Health Insurance
will be placed on a waiting list and Information about Private Health brochure.
you may have to wait for a public appropriate level of Hospital cover is
Insurance brochure or visit
one which does not have an excess More information about the Medicare
bed to become available. As a public www.stlukes.com.au.
greater than $750 for single members Levy Surcharge is also available on the
patient you won’t have a choice of Receive an Australian Australian Taxation Office (ATO) website
or greater than $1500 for couples,
doctor as you will be allocated a www.ato.gov.au or you can call the
Government Rebate on your single parent or family members.
Australian Taxation Office on 132861.
doctor by the hospital.
private health insurance
Private health insurance gives you the
freedom to be treated by your doctor
The Australian Government provides Medicare Levy Surcharge Income Tiers
a rebate on private health insurance Income Thresholds
of choice, in a private or public hospital
to make private healthcare more
at a time that best suits your needs. Base Tier Tier 1 Tier 2 Tier 3
affordable. The rebate is subject
Single Income $0 - $90,000 $90,001 - $105,000 $105,001 - $140,000 $140,001 +
Extra services not to an income test so the amount
of rebate you are entitled to will Families Income $0 - $180,000 $180,001 - $210,000 $210,001 - $280,000 $280,001+
covered by Medicare
depend on your level of income. Additional Medicare
0.0% 1.0% 1.25% 1.5%
In addition to private hospital Levy Surcharge
All Australians eligible for Medicare
treatment, there are many Extra health
may be entitled to receive a rebate
care services that Medicare does not
depending on their level of income.
cover. These services include dental,
Higher rebates are available for people
optical appliances, physiotherapy and
remedial massage to name a few.
aged over 65 and 70. But I’m young and healthy! Why St.LukesHealth
St.LukesHealth offers benefits to help If you are eligible for a rebate you can Even when you’re young and healthy, is your best choice
meet these additional costs. lower your health cover premium by you don’t know when an unexpected Established in Tasmania, St.LukesHealth
applying to receive the rebate as a illness or injury can hit. It’s not just has been providing private health
Avoid the Lifetime reduction in the premium you pay to a sporting injury that may see you insurance to Australians since 1952.
Health Cover loading St.LukesHealth, or you can claim the in hospital, it may be tonsillitis, Over this time, St.LukesHealth has
rebate in your annual tax return. appendicitis or your wisdom teeth, or built a strong reputation on its
Lifetime Health Cover (LHC) is an
it may be an unexpected illness that expertise and ability to supply top
Australian Government initiative. The rebate does not apply to any
you thought would never happen to quality healthcover and to provide
Under Lifetime Health Cover you Lifetime Health Cover loading that may exceptional customer service to its
you. If you only have Medicare cover
may have to pay a loading on your apply to a policy, meaning the rebate members. Our cover is nationwide so
and you require hospital treatment,
premium depending on the age you only applies to the base rate premium regardless of where you live, doing
you may have a delay before a public
or your partner were when you first of the private health insurance product. business with St.LukesHealth is easy.
hospital bed becomes available.
took out Hospital cover. To avoid the
For more information on the rebate, St.LukesHealth is also an innovator
loading, you must take out private refer to our Important Information With St.LukesHealth you can choose
in the industry with a number of
Hospital cover by July 1 immediately about Private Health Insurance where or by whom you wish to be
brochure or visit www.stlukes.com.au.
standout product features including
following your 31st birthday. Any treated. St.LukesHealth offers you the
Gap Free Preventative Dental, no
delay will result in a 2% loading for flexibility and security you require to hospital excess for children on most
each year you are over the age of 30 control your future healthcare needs. Hospital covers and a great range of
up to a maximum loading of 70%. no gap optical partnerships.
3 Why St.LukesHealth Why St.LukesHealth 4
Product features for you and your family Be rewarded for your member loyalty
At St.LukesHealth we value the
We have great partners too
You can choose from a range of no
relationship we have with our
gap* options and discounts from our
members and that’s why we have
Great cover for you Full-time and part-time student
introduced Member Rewards.
optical partners: Eyelines, Specsavers,
dependants can remain covered for OPSM, Total Eyecare and Laubman
and your family no additional premium until they Member Rewards will reward each and Pank.
reach the age of 25, if fully dependant person who has held Super Extras,
Gap Free Preventative Dental for the either as a stand alone cover or Customers of MyState and Spirit Super
on their parents and providing they
whole family at your choice of dentist combined with a Hospital product with can take advantage of the discounts
are not married or living in a defacto
St.LukesHealth for five years or more and benefits offered through our
Under Gap Free Preventative Dental^ relationship. alliance partnerships.
we pay 100% of the fee charged up to with a 5% increase in their dental
a maximum benefit* for each eligible Want to keep your child dependants benefits and annual dental limits. Ask us about our other partnerships
service on selected St.LukesHealth protected? that will add value to your membership!
products#. This means you may To qualify for member rewards each
have no out-of-pocket to pay for an Non-student child dependants can individual person covered by Super These features and more, establish
examination, x-ray, scale and clean remain covered on their family’s policy Extras, either as a stand alone cover St.LukesHealth as your best choice in
or fissure sealing. If your dentist for an additional premium, provided or combined with a Hospital product health cover.
charges above the maximum benefit* they are not married or living in a must meet the following criteria:
an out-of-pocket expense may apply. defacto relationship. Our Dependant Transferring from another
Extension option is available on • You must have held membership insurer without loss of
We recommend you obtain a benefit of Super Extras, either as a
quote prior to receiving treatment.
Packaged Ultimate Gold, and our Gold benefits?
Hospital products when combined with stand alone cover or combined
our Super Extras product, or taken out with a Hospital product with If you have served all your waiting
The standout features of Gap Free
as a standalone product. St.LukesHealth for at least five periods with another insurer, you can
Preventative Dental for St.LukesHealth
continuous years; transfer to equivalent or lower cover
members is that it applies to both
with St.LukesHealth without having to
adults and children and at your choice No hospital excess for child dependants
• Qualification is based on the re-serve waiting periods on benefits
of dentist. We don’t tell you which If you choose an excess you won’t length of membership of the common to both insurers, providing
dentist you need to go to in order have to pay the excess on most individual covered; you transfer within 60 days of ceasing
to receive the higher benefit for Hospital covers if a child dependant to be covered by your previous
preventative dental as it applies to all • The additional 5% increase
covered on your policy needs to go insurer. If you transfer to a higher level
dentists^. It's a great way to help you
to hospital. in dental benefit applies to of cover, some waiting periods may
keep your teeth and gums healthy.
all dental services, excluding apply for the higher benefits.
An extra feature for children is Great service and great service options preventative services paid under For more information on waiting periods
gap-free cover^ for fissure sealing. gap free preventative dental; and pre-existing conditions, refer to our
Placement of sealants in children At St.LukesHealth, we pride and Important Information about Private
assessed as having a high risk of ourselves on our customer service. Health Insurance brochure or visit
tooth decay is a safe and effective Members can visit one of our • Previous membership of www.stlukes.com.au.
way in preventing dental decay in customer care centres or agents another health insurer does
permanent teeth. throughout Tasmania, or can access not count towards the five Our guarantee
their membership details and years continuous membership We’re certain you’ll be satisfied with
Children are covered until they turn 23 transact with us online through as the reward is for your your St.LukesHealth membership
St.LukesHealth Connect. Claiming is length of membership with so we offer you our membership
Children are covered on their family’s easy with HICAPS available at many St.LukesHealth.
policy for no additional premium until guarantee. If within the first 30 days
allied health providers or by using of joining St.LukesHealth you are not
they reach the age of 23. This is another great reason to take
St.LukesHealth Connect to claim. fully satisfied with the cover you have
out Super Extras either as a stand
alone cover or combined with a chosen, we will refund any premium
^ For some preventative dental items on selected products#. Annual limits, policy and fund rules and waiting periods
apply. An out-of-pocket expense may apply if your provider’s fee is higher than the maximum benefit* for each
paid by you providing there have been
Hospital product with St.LukesHealth. no claims made against your policy
eligible service.
* Details on the calculation of the maximum benefit for each eligible service applicable to your product can be during that period.
obtained by contacting St.LukesHealth.
# Selected products are Super Extras, Wellbeing Extras, Packaged Ultimate Gold and Pasplan products.
* subject to your level of cover and policy conditions.
5 Why St.LukesHealth Why St.LukesHealth 6Payment options
St.LukesHealth offers a variety of easy Online
payment options. If you register for St.LukesHealth
Connect you can pay by credit
card through our website at
Automated payment options www.stlukes.com.au. For more
information on St.LukesHealth
Direct debit
Connect, see page 9.
You can have your premium
automatically debited from your BPAY® and Post Billpay
bank, building society, credit union or You can pay by BPAY using your
credit card account. Simply select this financial institution’s telephone or
option when joining St.LukesHealth. internet banking or by Post Billpay
To choose this method of payment,
contact St.LukesHealth or visit
through Australia Post. Claiming options
www.stlukes.com.au to download Renewal notices sent to
the form. For further information on St.LukesHealth members paying
direct debit, refer to our Important quarterly, half yearly or yearly will Hospital claims and most inpatient Customer care centres
Information about Private Health display a BPAY Biller Code and medical claims will be sent direct to and Agents
Insurance brochure or visit reference number and a Post Billpay St.LukesHealth by the provider. Claims
www.stlukes.com.au. barcode, reference number and for Extras benefits can be made by Claims can be submitted at any
Billpay code. one of the following methods. St.LukesHealth customer care centre
or agent. A list of customer care
This information will be required Point of service (HICAPS) centres is shown on the back cover
Other payment options when paying your renewal through of this brochure, or visit
St.LukesHealth is a participant in the
BPAY or Post Billpay. www.stlukes.com.au for a list of agents.
Customer care centres and agents Health Industry Claims and Payments
For more information on BPAY Service (HICAPS). You will need your St.LukesHealth
You can pay direct at any
contact your bank, building society membership card in order to claim at
St.LukesHealth customer care centre HICAPS is an electronic claiming
or credit union or visit an agency.
or agent. A list of customer care process which offers members the
www.bpay.com.au. For more
centres is shown on the back cover convenience of automatic claims Agents are restricted from paying
information on Post Billpay visit,
of this brochure or visit processing, on the spot at the point of benefits on some services.
www.postbillpay.com.au.
www.stlukes.com.au for a list of service. HICAPS is currently available
agents. at participating dentists, optometrists, Receive your benefit refund
physiotherapists, podiatrists, by direct credit
Telephone chiropractors, clinical psychologists,
You can pay over the phone by credit occupational therapists, If you have already paid your provider
card by calling 1300 651 988 between acupuncturists, remedial masseurs, for services being claimed, your
9am and 5pm, Monday to Friday. dieticians and speech therapists. benefit refund can be deposited
directly into your nominated bank,
Mobile Claims – iOS/Android building society or credit union
account. To choose this method of
Claims can be submitted using your benefit payment, visit
iPhone or Android phone through www.stlukes.com.au to download a
St.LukesHealth Connect. For more ‘Benefit Deposit Request Form’.
information, see page 9.
7 Why St.LukesHealth Why St.LukesHealth 8St.LukesHealth Nourish Baby Snug – Free for St.LukesHealth members
Connect Program
St.LukesHealth is excited to offer Snug
We’re always St.LukesHealth is pleased to offer free to St.LukesHealth members. Snug
looking for new eligible members exclusive access to is Australia’s most innovative and easy
the Nourish Baby learning hub. The to use digital health record – putting
ways to interact
Nourish Baby Program helps parents you in control of your health at the
with you and we
enjoy a healthy pregnancy, positive touch of a fingertip. From managing
want to make it
labour and early parenting success. diabetes to tracking your fitness, Snug
easy for you to
is a mobile app that allows you to reach
take advantage The Nourish Baby Program is designed your goals and live better each day.
of your health to educate and support a member
insurance at a throughout their pregnancy journey. Snug can be used by parents looking
time and place Parents can learn about their options to develop a life-long health record
that suits you. and choices for antenatal care through for their children from birth and
to labour, developmental milestones to keep track of immunisations,
after birth, immunisation and what to medications, developmental
expect in the toddler years. milestones, doctors’ notes and more.
St.LukesHealth Connect is your It can also be used by those with 3. My Home Devices: Keep track of
The program is Australian Council chronic illness to manage medications
one-stop destination for your private your sleeping patterns, set goals
of Healthcare Standards EQuIP6 and keep track of blood glucose levels
health insurance needs and is around fitness and connect to a
accredited and Nourish Baby works or blood pressure readings, while
available at www.stlukes.com.au and range of fitness apps. You can also
with a team of health professionals to carers will be able to, with the correct
as an app on your phone. connect your Snug account to
create and publish relevant and up-to- permissions, view up-to-date medical scales and medical devices.
date content. information of their loved one.
What are the features of
4. My Providers: Share your
St.LukesHealth Connect? As part of our offering to members,
Snug has four features for information with your health
the program incorporates an iCope
We’ve added plenty of new features St.LukesHealth members. provider to help inform their
screening process to ensure that
that will help you on your health decisions around treatment.
every mother is provided with the right 1. MyHR: As a St.LukesHealth
journey, including: mental health support during their member you can choose to Snug is available to download and can
• Benefit limits perinatal period. connect with the Australian be found in the App Store or Google
• Claim on the go Government’s My Health Record. Play by searching for Snug. Best of all,
For more information about the
• Payments MyHR is a secure online summary it is free for St.LukesHealth members.
Nourish Baby Program, or to register,
email general@stlukes.com.au or call of your health information. You Once you have downloaded the app,
• Digital card
1300 651 988. can control what goes into it and you can set up your own personal
• Update your information
who is allowed to access it. You Snug profile, connect to relevant
can choose to share your health devices, decide who you would like to
To register for St.LukesHealth
information with your doctors, have access to your profile and more.
Connect, simply download the
hospitals and other healthcare It is easy! Rest assured, the only people
St.LukesHealth Connect app from
providers. who are allowed to have access to
either the App Store or Google Play,
your Snug record are the people that
or sign up online by visiting 2. My Circle of Care: Share your
you allow.
https://connect.stlukes.com.au. record with those close to you
so that your loved ones have For more information about Snug
an overview of your health and and how to use this innovative new
well-being. You can keep track product, visit www.snughealth.com.au
of appointments and share notes or connect to Snug on Facebook
from your health professionals. @SnugHealth.
9 Why St.LukesHealth Why St.LukesHealth 101300 651 988
stlukes.com.au
general@stlukes.com.au
Head Office and Customer Care Centre
Launceston 17 The Quadrant Mall Launceston 7250
Customer Care Centres
Hobart 94 Liverpool Street Hobart 7000
Kingston Shop 28a Channel Court Kingston 7050
Devonport 26 Rooke Street Devonport 7310
Burnie 27 Cattley Street Burnie 7320
Smithton 18 King Street Smithton 7330
Agents
Queenstown 14-16 Orr Street Queenstown 7467
Deloraine 64 Emu Bay Road Deloraine 7304
ABN 81 009 479 618You can also read
