How $36.95 is worked out
- Premium as filed - $48.70 a month
- Government rebate - 24.1% of the premium (never of the loading): -$11.75
- A month - $36.95
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): $70.00; Scale and clean (item 114): $134.00; Fluoride treatment (item 121): $36.00; Tooth extraction (item 322): $174.00 | $600 per policy a year |
| Major dental | 12 months | Crown (item 615): $0.00 | $350 per person ** (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $172.00 | $350 per person ** (shared with other services) |
Not covered: Braces, Glasses and contact lenses, Prescriptions not on the PBS, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations.
Other services, as filed: Major Dental only provides cover for Endodontic and Periodontic treatment and does not include cover for Crowns and Bridges, Dentures or Implant Prostheses. Overall annual limit applies for General Dental and Major Dental combined; Combined limit $600 per person per calendar year, in the first year, $1000 per person, per calendar year in subsequent years. ** Annual limit for Major Dental will increase after each year, for the first five years of membership, to a maximum of $650 per person, per calendar year (General Dental limit does not increase each year).
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 |
|---|---|---|---|
| TAS | Me and my partner | None | $97.40 |
| TAS | My family | None | $97.40 |
| TAS | Just me | None | $48.70 |
| TAS | Me and my children | None | $97.40 |
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 I10/TDQU10, 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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