St Lukes Health

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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:

• Hospital Cover
• Extras Cover.

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.

Does St Lukes Health offer corporate policies?

Yes. St Lukes 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.

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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.

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

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

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

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

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

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

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

Benchmarks	St Lukes Health	Industry average
Member retention for Hospital Cover	89.4%	86.9%
% hospital-related charges covered	91.9%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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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:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	77	98
NT	1	2
QLD	47	60
SA	18	23
TAS	7	9
VIC	71	76
WA	18	24

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:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	6	9
NSW	59	103
NT	1	2
QLD	37	57
SA	19	30
TAS	8	8
VIC	67	79
WA	16	24

Source: St Lukes Health: performance

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

Benchmark	St Lukes Health	Industry average
% Extras Cover charges covered	56.3%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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

Benchmarks	St Lukes Health	Industry average
Market share	0.6%	–
% services with no gap	88.9%	88.3%
% services with no gap or where known gap payment made	98.3%	97.2%
Market share of complaints to the PHIO	0.5%	3.1%
% complaints investigated by the PHIO	1.6%	3.1%
Benefits as a % of contributions	83.6%	80.5%
Management expenses as a % of contribution income	12.7%	13.1%
Management expenses per average policy	$595	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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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.

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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.

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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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