Astute Simplicity Health

Reviewed and updated 28 March 2025

What is Astute Simplicity Health?

Astute Simplicity Health is a brand that sells private health insurance.

Is Astute Simplicity Health a registered insurer?

No. Astute Simplicity Health is not a registered insurer.

Instead, Astute Simplicity Health and St Lukes Health (a registered insurer) have an agreement that enables Astute Simplicity Health to sell St Lukes’ health insurance policies under the Astute Simplicity Health brand.

In the insurance industry, this is called white labelling.

Who can join Astute Simplicity Health?

As St Lukes Health is an open insurer, anyone can join Astute Simplicity Health.

What products does Astute Simplicity Health offer?

Astute Simplicity Health offers:

Hospital Cover
Extras Cover.

Do Astute Simplicity Health policies offer Ambulance Cover?

Yes. In all states and territories except Queensland and Tasmania, AAMI Health Insurance offers emergency Ambulance Cover with:

Hospital Cover
Extras Cover
Combined Hospital and Extras Cover.

If you live in Queensland or Tasmania, you are covered by state government ambulance services.

Does Astute Simplicity Health offer corporate policies?

Yes. Astute Simplicity Health provides corporate policies to certain organisations. Search your organisation’s website or intranet to find out whether a corporate health insurance policy is available to you, and what conditions apply.