St Lukes extras cover
Is St Lukes Super Extras worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $177.20 a month before the rebate, $134.46 after.
Three ways of using it
Worked for one adult in NSW, 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
$1,414 behind
That costs $200 with no cover. On this policy you’d pay $1,614 in premiums and get $200 back.
209th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,404 better off over the year.
Two dental visits and new glasses
$914 behind
That costs $700 with no cover. On this policy you’d pay $1,614 in premiums and get $700 back.
166th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $963 better off over the year.
Two dental visits, new glasses and six physio sessions
$914 behind
That costs $1,240 with no cover. On this policy you’d pay $1,614 in premiums and get $700 back.
171st of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,283 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 | 100% of the fee | $1,000 | 2 months |
| Major Dental | Covered, amount not published as a set figure | $1,200shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $1,200shared with major dental | 12 months |
| Orthodontic | 100% of the fee | $1,000 | 12 months |
| Optical | $300 a visit | $300 | 6 months |
| Non-PBS Medications | $70 a visit | $600 | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $850shared with antenatal/postnatal, exercise physiology and orthoptics | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $400shared with osteopathy | 2 months |
| Podiatry | $50 a visit first, then $41 a visit | $400 | 2 months |
| Psychology | $145 a visit first, then $110 a visit | Not published | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $500shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $500shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | $1000 a visit | Not published | 36 months |
| Glucose Monitor | Covered, amount not published as a set figure | $1,000shared with orthotics | 12 months |
| Audiology | Covered, amount not published as a set figure | $1,000shared with dietetics, home nursing, occupational therapy and speech therapy | 2 months |
| Antenatal/Postnatal | Covered, amount not published as a set figure | $850shared with physiotherapy, exercise physiology and orthoptics | 2 months |
| Chinese Herbal Medicine | Covered, amount not published as a set figure | $500shared with acupuncture and remedial massage | 2 months |
| Dietetics | Covered, amount not published as a set figure | $1,000shared with audiology, home nursing, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | Covered, amount not published as a set figure | $850shared with physiotherapy, antenatal/postnatal and orthoptics | 2 months |
| Orthoptics | Covered, amount not published as a set figure | $850shared with physiotherapy, antenatal/postnatal and exercise physiology | 2 months |
| Home Nursing | Covered, amount not published as a set figure | $1,000shared with audiology, dietetics, occupational therapy and speech therapy | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | $1,000shared with audiology, dietetics, home nursing and speech therapy | 2 months |
| Orthotics | Covered, amount not published as a set figure | $1,000shared with glucose monitor | 12 months |
| Osteopathy | Covered, amount not published as a set figure | $400shared with chiropractic | 2 months |
| Speech Therapy | Covered, amount not published as a set figure | $1,000shared with audiology, dietetics, home nursing and occupational therapy | 2 months |
As listed for one adult in NSW. 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
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $177.20 | $354.40 | $354.40 | $354.40 |
| VIC | $158.90 | $317.80 | $317.80 | $317.80 |
| QLD | $146.40 | $292.80 | $292.80 | $292.80 |
| WA | $135.80 | $271.60 | $271.60 | $271.60 |
| SA | $138.80 | $277.60 | $277.60 | $277.60 |
| TAS | $93.30 | $186.60 | $186.60 | $186.60 |
| NT | $119.10 | $238.20 | $238.20 | $238.20 |
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:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 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 I9/NCPK10 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.