Extras cover
St Lukes extras cover: which policies are worth it?
St Lukes sells 5 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, one pays back more than it costs.
Every St Lukes extras policy
Each one worked for one adult in TAS unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.
- Starter Extras$161 behind+$89 ahead+$89 ahead$28.70 a month before the rebateA check-up$161 behindTeeth and glasses+$89 aheadTeeth, glasses, physio+$89 ahead
- Wellbeing Extras$495 behind$175 behind$175 behind$67.50 a month before the rebateA check-up$495 behindTeeth and glasses$175 behindTeeth, glasses, physio$175 behind
- Budget Extrasworked for one adult in NSW$512 behind$279 behind$279 behind$59.90 a month before the rebateA check-up$512 behindTeeth and glasses$279 behindTeeth, glasses, physio$279 behind
- Dental Extras$373 behind$303 behind$303 behind$48.70 a month before the rebateA check-up$373 behindTeeth and glasses$303 behindTeeth, glasses, physio$303 behind
- Super Extrasworked for one adult in NSW$1,414 behind$914 behind$914 behind$177.20 a month before the rebateA check-up$1,414 behindTeeth and glasses$914 behindTeeth, glasses, physio$914 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, St Lukes included.
Work out mine →Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Corporate products and extras sold only with a hospital policy are left out. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.