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Compare St.Lukes Health insurance
How St.LukesHealth rates for member complaints, gap cover and ambulance cover.
Last updated: 13 May 2024
Who is St.LukesHealth?
Established in Tasmania in 1952, St.LukesHealth is a nonprofit health fund with 57,000 members across Australia. It’s part of Members Health, an alliance of nonprofit and mutual health funds.
Phone: 1300 651 988
Website: stlukes.com.au
Does St.LukesHealth get many complaints from members?
St.Lukes Health has a Medium complaints rating.
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
Text-only accessible version
Australian Capital Territory
Below average.
New South Wales
Well below average.
Northern Territory
Well below average.
Queensland
Below average.
South Australia
Well below average.
Tasmania
Average.
Victoria
Below average.
Western Australia
Well below average.
How many hospital agreements does St.LukesHealth have in each 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.
Text-only accessible version
St Lukes Health hospital agreements
In the Australian Capital Territory this fund has…
5 private hospital agreements out of an industry maximum of 6.
6 day hospital agreements out of an industry maximum of 9.
In New South Wales this fund has…
74 private hospital agreements out of an industry maximum of 92.
55 day hospital agreements out of an industry maximum of 105.
In the Northern Territory this fund has…
1 private hospital agreement out of an industry maximum of 1.
1 day hospital agreement out of an industry maximum of 2.
In Queensland this fund has…
47 private hospital agreements out of an industry maximum of 58.
35 day hospital agreements out of an industry maximum of 54.
In South Australia this fund has…
15 private hospital agreements out of an industry maximum of 20.
25 day hospital agreements out of an industry maximum of 31.
In Tasmania this fund has…
8 private hospital agreements out of an industry maximum of 8.
9 day hospital agreements out of an industry maximum of 9.
In Victoria this fund has…
68 private hospital agreements out of an industry maximum of 71.
63 day hospital agreements out of an industry maximum of 80.
In Western Australia this fund has…
18 private hospital agreements out of an industry maximum of 23.
12 day hospital agreements out of an industry maximum of 29.
Does St.LukesHealth offer any discounts?
While St.LukesHealth doesn’t offer any discounts for paying by direct debit, if you prepay your annual premium you can access a 3.85% discount. St.LukesHealth does not offer any youth discounts.
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.
- Queensland and Tasmania: Emergency ambulance services are covered by the state government.
- New South Wales and the Australian Capital Territory: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
- 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 Western Australia: 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 Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
Does St.LukesHealth offer family policies that cover adult children?
- Adult children are covered on family policies for free until they turn 23.
- Full-time students are covered on family policies for free until they turn 25.
- Adult children younger than 25 can be covered on extended family policies for an extra cost.
Does St.LukesHealth let you claim online or in-app?
Claiming is online, and you can claim via an app (iOS and Android) for all general treatment and in-hospital medical services.
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