St Lukes extras cover
Is St Lukes Dental Extras worth it?
For one adult in TAS, it costs more than it pays back in all three of the ways of using extras worked through below. It is $48.70 a month before the rebate, $36.95 after.
Three ways of using it
Worked for one adult in TAS, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$373 behind
That costs $200 with no cover. On this policy you’d pay $443 in premiums and get $70 back.
70th of the 218 policies from funds anyone can join that cover this. nib’s DentalPass does best, $364 better off over the year.
Two dental visits and new glasses
$303 behind
That costs $700 with no cover. On this policy you’d pay $443 in premiums and get $140 back. It pays nothing towards optical.
Against the 187 policies from funds anyone can join that cover this, it would sit 89th. HCF’s Flex My Extras does best, $405 better off over the year.
Two dental visits, new glasses and six physio sessions
$303 behind
That costs $1,240 with no cover. On this policy you’d pay $443 in premiums and get $140 back. It pays nothing towards optical and physiotherapy.
Against the 179 policies from funds anyone can join that cover this, it would sit 124th. HCF’s Flex My Extras does best, $729 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | $70 a visit | $600 | 2 months |
| Major Dental | $0 a visit | Not published | 12 months |
| Endodontic (Root Canal) | $172 a visit | Not published | 12 months |
As listed for one adult in TAS. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Some services are explicitly not covered under this policy.
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| TAS | $48.70 | $97.40 | $97.40 | $97.40 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1HCF Flex My Extras+$102 ahead
- 2St Lukes Starter Extras+$89 ahead
- 3HBF Value 50+$79 ahead
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. Product code I10/TDQU10 on privatehealth.gov.au. 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.