St Lukes

Packaged 500 Bronze +

Name: Packaged 500 Bronze +
Brand: St Lukes
Price: 424.05 AUD

$424.05 / month

(Before Rebate, Discount & Loading)

Available in All States

1300 651 988 Sponsor link

Go to site Sponsor link

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: One adult & dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 22) and students (23 - 24), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependent under the age of 23.

Policy ID: SLM/J2B/A1000P

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Assisted reproductive services

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

Weight loss surgery

This policy does not include cover for

Podiatric surgery (provided by a registered podiatric surgeon)

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess on admission. This is limited to a maximum of $500 per person and $1000 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth (obstetrics)
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

Ambulance Levy included for NSW and ACT residents. Ambulance in Tas provided free to Tasmanian residents. Unmarried dependants covered until they turn 23 and single full time student dep's covered until they turn 25 if fully dependent.

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture 2

$400 per person

Initial visit: $25
Subsequent visit: $25

Blood glucose monitors 12

Per monitor: $200

Chiropractic 2

$400 per person

sub-limits apply

Initial visit: $25
Subsequent visit: $25

Endodontic 12

$550 per person

Filling of one root canal: $86

General dental 2

$500 per person

Fluoride treatment: $14
Scale & clean: $38
Surgical tooth extraction: $90
Periodic oral examination: $24

Hearing aids 36

Hearing aid: $1000

Major dental 12

$1,500 per person

sub-limits apply

Full crown veneered: $475

Non PBS pharmaceuticals 2

$600 per person

Per eligible prescription: $50

Optical 6

$250 per person

Multi-focal lenses & frames: $250
Single vision lenses & frames: $180

Orthodontic 12

$600 per person

$1,800 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge

Physiotherapy 2

$850 per person

sub-limits apply

Initial visit: $30
Subsequent visit: $25

Podiatry 2

$400 per person

Initial visit: $25
Subsequent visit: $25

Psychology 12

$350 per person

Initial visit: $50
Subsequent visit: $40

Remedial massage 2

No annual limit

Initial visit: $25
Subsequent visit: $25

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

{Per monitor: $200}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

Examples of maximum benefits

{Filling of one root canal: $86}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Fluoride treatment: $14}

{Scale & clean: $38}

{Surgical tooth extraction: $90}

{Periodic oral examination: $24}

Hearing aids

Waiting period: 36 months

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

{Hearing aid: $1000}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $475}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Per eligible prescription: $50}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $250}

{Single vision lenses & frames: $180}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{$1,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $25}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Psychology

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes

Audiology

Chinese medicine

Dietetics/dietary advice

Exercise physiology

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Home nursing

Occupational therapy

Orthotics (podiatric orthoses)

Osteopathy

Speech therapy

Vaccinations

Other features of this general treatment cover: Other services covered include chinese medicine consultations, osteopathy, occupational therapy, eye & speech therapy, dietetics, audiology, other approved health appliances & aids and approved health management programs.

Ambulance cover

Ambulance cover is provided by the State government in Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au). In other states concession card holders may have free cover and there are subscription services in several states (https://privatehealth.gov.au/health_insurance/what_is_covered/ambulance.htm).

For further information about this policy see: https://www.stlukes.com.au/forms-brochures?tag=Information+sheet

Insurer Details

St Lukes

Packaged 500 Bronze +

$424.05 / month

(Before Rebate, Discount & Loading)

Available in All States

1300 651 988 Sponsor link

Go to site Sponsor link

St Lukes

http://www.stlukes.com.au

general@stlukes.com.au

1300 651 988

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/SLM/J2B/A1000P

Packaged 500 Bronze +

Policy ID: SLM/J2B/A1000P

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

St Lukes

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