Compare St.LukesHealth health insurance


A nonprofit health fund first established in Tasmania in 1952.

Fund information


St.LukesHealth summary

Is St.LukesHealth nonprofit? 

Does St.LukesHealth get many complaints from members? 

How good is St.LukesHealth's gap cover? 

How many hospital agreements does St.LukesHealth have in my state? 

Does St.LukesHealth offer any discounts?

Does St.LukesHealth offer ambulance cover?

Does St.LukesHealth let you claim online or in-app?

What CHOICE Community says about St.LukesHealth


St.LukesHealth summary

St.Lukes

Established in Tasmania in 1952, St.LukesHealth is a nonprofit health fund with 57,000 members across Australia. It is part of Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

St.LukesHealth contact details

Phone: 1300 651 988

Email: general@stlukes.com.au

Website: stlukes.com.au


Is St.LukesHealth nonprofit?

Yes.


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Does St.LukesHealth get many complaints from members?

St.LukesHealth complaints rating: Low

  • When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.
  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is St.LukesHealth's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that St.LukesHealth covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

St. Lukes Health gap cover performance by state

New South Wales (NSW)

Below average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Below average

Queensland (Qld)

Average

South Australia (SA)

Below average

Western Australia (WA)

Well below average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

St. Lukes Health – 81.3%

Industry average – 86.3%

Australian Capital Territory (ACT) 

St. Lukes Health – 77.3%

Industry average – 76.7%

Victoria (Vic) 

St. Lukes Health – 80.8%

Industry average – 85.0%

Queensland (Qld) 

St. Lukes Health – 80.3%

Industry average – 85.1%

South Australia (SA) 

St. Lukes Health – 79.9%

Industry average – 86.8%

Western Australia (WA) 

St. Lukes Health – 71.3%

Industry average – 90.1%

Tasmania (Tas) 

St. Lukes Health – 91.8%

Industry average – 83.0%

Northern Territory (NT) 

St. Lukes Health – 93.3%

Industry average – 80.1%

How many hospital agreements does St.LukesHealth have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements St.LukesHealth has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

St.LukesHealth has

ACT

5 private hospital agreements out of an industry maximum of 7

6 day hospital agreements out of an industry maximum of 8

NSW

79 private hospital agreements out of an industry maximum of 100

48 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

48 private hospital agreements out of an industry maximum of 58

31 day hospital agreements out of an industry maximum of 53

SA

22 private hospital agreements out of an industry maximum of 27

14 day hospital agreements out of an industry maximum of 28

Tas

8 private hospital agreements out of an industry maximum of 8

6 day hospital agreements out of an industry maximum of 6

Vic

75 private hospital agreements out of an industry maximum of 79

62 day hospital agreements out of an industry maximum of 79

WA

17 private hospital agreements out of an industry maximum of 23

14 day hospital agreements out of an industry maximum of 29

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Does St.LukesHealth offer any discounts?

Discount for direct debit: None

Discount for annual prepay: 3.85%

Total discount for annual prepay via direct debit: 3.85%


Does St.LukesHealth offer ambulance cover?

St.LukesHealth doesn't cover emergency ambulance in Victoria, Western Australia, Northern Territory or South Australia.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does St.LukesHealth let you claim online or in-app?

No online claiming. App (iOS and Android) for all general treatment and in-hospital medical services.


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What CHOICE Community says about St.LukesHealth

CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about St.LukesHealth to share your experiences or gain more insights into this health fund.