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Insurer

St Lukes Health

Reviewed and updated 16 March 2024

About St Lukes Health

What is St Lukes Health?

St Lukes Health is a private health insurer that operates as an open health fund

Background

St Lukes Health was formed in 1952 by a group of Launceston businessmen who believed Tasmanians needed a health fund to help them with the cost of hospital and medical treatment.

Over the years, St Lukes Health has grown through mergers with other not-for profit health insurers. 

In the 1970s and 1980s, it took over the health funds of processing and manufacturing companies, Kelsall & Kemp, EZ Company and Coats Patons. St Lukes Health took over the Queenstown Medical Union in 1997.

Today, the insurer has 57,000 members across Australia. 

Who can join St Lukes Health?

Anyone can join St Lukes Health because it is an open fund.

What products does St Lukes Health offer?

St Lukes Health offers:

Do St Lukes Health policies include Ambulance Cover?

St Lukes Health provides Ambulance Cover on some Hospital Cover policies.

If you live in Tasmania, the Tasmania Ambulance Service provides a free ambulance service.

St Lukes Health does not provide emergency Ambulance Cover for residents of:

  • NT
  • SA
  • VIC
  • WA.

Is St Lukes Health a member of any industry organisations?

St Lukes Health is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.


Is St Lukes Health a not-for-profit health insurer?

Yes. St Lukes Health is a not-for-profit health insurer.


Does St Lukes Health operate in all Australian states and territories?

Yes. St Lukes Health operates in all Australian states and territories.


Does St Lukes Health sell its health insurance policies under other brands?

Yes. St Lukes Health sells policies under the Astute Simplicity Health brand.


How does St Lukes Health Hospital Cover compare with other insurers?

BenchmarksSt Lukes HealthIndustry average
Member retention for Hospital Cover89.9%88.6%
% hospital-related charges covered92.6%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Does St Lukes Health have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. St Lukes Health has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW7798
NT12
QLD4760
SA1823
TAS79
VIC7176
WA1824

St Lukes Health also has agreements with a number of day hospitals so it can to provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT69
NSW59103
NT12
QLD3757
SA1930
TAS88
VIC6779
WA1624

Source: St Lukes Health: performance


How does St Lukes Health Extras Cover compare with other insurers?

BenchmarkSt Lukes HealthIndustry average
% Extras Cover charges covered57.3%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


How does St Lukes Health compare with other private health insurers?

BenchmarksSt Lukes HealthIndustry average
Market share0.6%
% services with no gap89.0%88.8%
% services with no gap or where known gap payment made98.3%97.4%
Market share of complaints to the PHIO0.5%
% complaints investigated by the PHIO1.6%
Benefits as a % of contributions84.0%83.1%
Management expenses as a % of contribution income11.6%9.9%
Management expenses per average policy$531$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Is St Lukes Health a member of any industry organisations?

Yes. St Lukes Health is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.

It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.


Does St Lukes Health let me claim online or via an app?

Yes. St Lukes Health allows you to make a claim online via the website or the app, St.LukesHealth Connect.


How to contact St Lukes Health

Phone:

1300 651 988

Website:

https://www.stlukes.com.au/

Email:

general@stlukes.com.au

Address:

17 The Quadrant Mall
LAUNCESTON TAS 7250

Postal address:

PO Box 915
LAUNCESTON TAS 7250


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