How $70.80 is worked out
- Premium as filed - $93.30 a month
- Government rebate - 24.1% of the premium (never of the loading): -$22.50
- A month - $70.80
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 100% back; Scale and clean (item 114): 100% back; Fluoride treatment (item 121): $36.00; Tooth extraction (item 322): $180.00 | $1,000 per policy a year |
| Major dental | 12 months | Crown (item 615): $810.00 | $1,200 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $180.00 | $1,200 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $1,000 per policy a year, $2,800 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: $300.00; Multifocal glasses: $300.00 | $300 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $600 per policy a year |
| Physiotherapy | 2 months | First visit: $61.00; Follow-up visit: $51.00 | $850 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $41.00; Follow-up visit: $30.00 | $400 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $50.00; Follow-up visit: $41.00 | $400 per policy a year |
| Psychology | 2 months | First visit: $145.00; Follow-up visit: $110.00 | Benefits payable towards counselling services - Initial consultation $85/subsequent consultation $77 included in $600 Psychology Limit. |
| Acupuncture | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $500 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $500 per policy a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $1000.00 | 2 appliances every 5 years |
| Blood glucose monitors | 12 months | Blood: $200.00 | $1,000 per policy a year (shared with other services) |
| Audiology | 2 months | First visit: $50.00; Follow-up visit: $40.00 | $1,000 per policy a year, 2 services every year (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: $51.00; Follow-up visit: $51.00 | $850 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $32.00; Follow-up visit: $28.00 | $500 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $75.00; Follow-up visit: $45.00 | $1,000 per policy a year, 2 services every year (shared with other services) |
| Exercise physiology | 2 months | First visit: $58.00; Follow-up visit: $41.00 | $850 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $65.00; Follow-up visit: $38.00 | $850 per policy a year (shared with other services) |
| Home nursing | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $1,000 per policy a year, 2 services every year (shared with other services) |
| Occupational therapy | 2 months | First visit: $80.00; Follow-up visit: $59.00 | $1,000 per policy a year, 2 services every year (shared with other services) |
| Orthotics | 12 months | Benefit: 100% back | $1,000 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $60.00; Follow-up visit: $47.00 | $400 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $120.00; Follow-up visit: $81.00 | $1,000 per policy a year, 2 services every year (shared with other services) |
Not covered: Health management programs, Vaccinations.
* Under Preventative Dental, we pay up to 100% of the average fee charged Australia wide up to the maximum benefit for each eligible service. This applies to examinations, x-rays, scale and clean and fissure sealing. If your dentist charges above the maximum benefit, or in excess of the average fee, a gap or out of pocket may apply. Annual limits, fund rules and waiting periods apply. A 2-month waiting period applies to Psychology with the exception of functional assessment for the purpose of diagnosing ADHS and/or autism spectrum disorders diagnosis which has a 12-month waiting period.
Other services, as filed: Acupuncture, Remedial massage, Western herbal medicine, Alexander Technique, Myotherapy, Naturopathy and Shiatsu are included in the Complimentary Therapies annual limit.
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.
Ambulance
No ambulance cover.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $354.40 |
| NSW | My family | None | $354.40 |
| NSW | Just me | None | $177.20 |
| NSW | Me and my children | None | $354.40 |
| NT | Me and my partner | None | $238.20 |
| NT | My family | None | $238.20 |
| NT | Just me | None | $119.10 |
| NT | Me and my children | None | $238.20 |
| QLD | Me and my partner | None | $292.80 |
| QLD | My family | None | $292.80 |
| QLD | Just me | None | $146.40 |
| QLD | Me and my children | None | $292.80 |
| SA | Me and my partner | None | $277.60 |
| SA | My family | None | $277.60 |
| SA | Just me | None | $138.80 |
| SA | Me and my children | None | $277.60 |
| TAS | Me and my partner | None | $186.60 |
| TAS | My family | None | $186.60 |
| TAS | Just me | None | $93.30 |
| TAS | Me and my children | None | $186.60 |
| VIC | Me and my partner | None | $317.80 |
| VIC | My family | None | $317.80 |
| VIC | Just me | None | $158.90 |
| VIC | Me and my children | None | $317.80 |
| WA | Me and my partner | None | $271.60 |
| WA | My family | None | $271.60 |
| WA | Just me | None | $135.80 |
| WA | Me and my children | None | $271.60 |
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I9/TCPW10, filed by St Lukes, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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