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Compare St.LukesHealth health insurance

How St.LukesHealth rates for member complaints, gap cover and ambulance cover.

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CHOICE staff
CHOICE staff

St.LukesHealth summary

Established in Tasmania in 1952, St.LukesHealth is a nonprofit health fund with 57,000 members across Australia. It's part of Members Own Health Funds, an alliance of nonprofit and mutual health funds.

Phone: 1300 651 988


Is St.LukesHealth nonprofit?


Does St.LukesHealth get many complaints from members?

St.LukesHealth complaints rating: Medium

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

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

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.

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%

Youth discounts: None.

Does St.LukesHealth offer ambulance cover?

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

Does St.LukesHealth offer family policies that cover adult children?

Yes, adult children are covered up to age 23 and up to age 25 if in full-time study.

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

Online claiming. App (iOS and Android) for all general treatment and in-hospital medical services.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.