St Lukes

Gold Hospital 750 and Super Extras

Name: Gold Hospital 750 and Super Extras
Brand: St Lukes
Price: 449.7 AUD

$449.70 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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: Only one person.

Policy ID: SLM/J6C/NASN10

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)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

Weight loss surgery

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 $750 per person and $750 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

Half excess applies to day surgery up to the maximum product excess. Ambulance Levy included for NSW and ACT residents. Ambulance services in Tasmania provided free by State Government to Tasmanian residents.

For further information about this policy see: https://www.stlukes.com.au

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

$500 per policy

combined limit for acupuncture, chinese medicine & remedial massage

sub-limits apply

Initial visit: $35
Subsequent visit: $30

Ante-natal/Post-natal classes 2

$850 per policy

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

Initial visit: $51
Subsequent visit: $51

Audiology 2

$1,000 per policy

combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy

sub-limits apply

Initial visit: $50
Subsequent visit: $40

Blood glucose monitors 12

$1,000 per policy

combined limit for blood glucose monitors & orthotics (podiatric orthoses)

sub-limits apply

Per monitor: $200

Chinese medicine 2

$500 per policy

combined limit for acupuncture, chinese medicine & remedial massage

sub-limits apply

Initial visit: $32
Subsequent visit: $28

Chiropractic 2

$400 per policy

combined limit for chiropractic & osteopathy

sub-limits apply

Initial visit: $41
Subsequent visit: $30

Dietetics/dietary advice 2

$1,000 per policy

combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy

sub-limits apply

Initial visit: $75
Subsequent visit: $45

Endodontic 12

$1,200 per policy

combined limit for endodontic & major dental

sub-limits apply

Filling of one root canal: $180

Exercise physiology 2

$850 per policy

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

Initial visit: $58
Subsequent visit: $41

Eye therapy (orthoptics) 2

$850 per policy

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

Initial visit: $65
Subsequent visit: $38

General dental* 2

$1,000 per policy

Fluoride treatment: $36
Scale & clean: 100% of charge
Surgical tooth extraction: $180
Periodic oral examination: 100% of charge

Hearing aids 36

Hearing aid: $1000

Home nursing 2

$1,000 per policy

combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy

sub-limits apply

Initial visit: $50
Subsequent visit: $50

Major dental 12

$1,200 per policy

combined limit for endodontic & major dental

sub-limits apply

Full crown veneered: $810

Non PBS pharmaceuticals 2

$600 per policy

Per eligible prescription: $70

Occupational therapy 2

$1,000 per policy

combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy

sub-limits apply

Initial visit: $80
Subsequent visit: $59

Optical 6

$300 per policy

Multi-focal lenses & frames: $300
Single vision lenses & frames: $300

Orthodontic 12

$1,000 per policy

$2,800 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge

Orthotics (podiatric orthoses) 12

$1,000 per policy

combined limit for blood glucose monitors & orthotics (podiatric orthoses)

sub-limits apply

Orthotics supply & fit: 100% of charge

Osteopathy 2

$400 per policy

combined limit for chiropractic & osteopathy

sub-limits apply

Initial visit: $60
Subsequent visit: $47

Physiotherapy 2

$850 per policy

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

Initial visit: $61
Subsequent visit: $51

Podiatry 2

$400 per policy

Initial visit: $50
Subsequent visit: $41

Psychology 2

Benefits payable towards counselling services - Initial consultation $85/subsequent consultation $77 included in $600 Psychology Limit.

Initial visit: $145
Subsequent visit: $110

Remedial massage 2

$500 per policy

combined limit for acupuncture, chinese medicine & remedial massage

sub-limits apply

Initial visit: $35
Subsequent visit: $30

Speech therapy 2

$1,000 per policy

combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy

sub-limits apply

Initial visit: $120
Subsequent visit: $81

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $51}

{Subsequent visit: $51}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for blood glucose monitors & orthotics (podiatric orthoses)}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $200}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $28}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $41}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $45}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per policy}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $180}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $58}

{Subsequent visit: $41}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $65}

{Subsequent visit: $38}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

Examples of maximum benefits

{Fluoride treatment: $36}

{Scale & clean: 100% of charge}

{Surgical tooth extraction: $180}

{Periodic oral examination: 100% of charge}

Hearing aids

Waiting period: 36 months

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

{Hearing aid: $1000}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per policy}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $810}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

Examples of maximum benefits

{Per eligible prescription: $70}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $59}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: $300}

{Single vision lenses & frames: $300}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{$2,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for blood glucose monitors & orthotics (podiatric orthoses)}

{sub-limits apply}

Examples of maximum benefits

{Orthotics supply & fit: 100% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $47}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $51}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $41}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{Benefits payable towards counselling services - Initial consultation $85/subsequent consultation $77 included in $600 Psychology Limit.}

Examples of maximum benefits

{Initial visit: $145}

{Subsequent visit: $110}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology, dietetics/dietary advice, home nursing, occupational therapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $120}

{Subsequent visit: $81}

Acupuncture, Remedial massage, Western herbal medicine, Alexander Technique, Myotherapy, Naturopathy and Shiatsu are included in the Complimentary Therapies annual limit.

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

Health management / Healthy lifestyle

Vaccinations

Other features of this general treatment cover: Orthodontic limit included in annual Major Dental limit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit. Overall limit of $1000 per person applies to Health Appliances & Aids, individual limits apply. $250 sub-limit applies to foot orthotics. Approved health management programs when Super Extras taken with hospital cover. Member rewards apply after 5 years continuous membership.

For further information about this policy see: https://www.stlukes.com.au

Ambulance cover

Health Care Concession Card, Pensioner Concession Card, and Commonwealth Seniors Health Card holders are entitled to free ambulance transport services. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health fund.

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

Insurer Details

St Lukes

Gold Hospital 750 and Super Extras

$449.70 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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/J6C/NASN10

Gold Hospital 750 and Super Extras

Policy ID: SLM/J6C/NASN10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

St Lukes

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