St Lukes extras cover
Is St Lukes Wellbeing 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 $67.50 a month before the rebate, $51.22 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
$495 behind
That costs $200 with no cover. On this policy you’d pay $615 in premiums and get $120 back.
106th of the 218 policies from funds anyone can join that cover this. nib’s DentalPass does best, $485 better off over the year.
Two dental visits and new glasses
$175 behind
That costs $700 with no cover. On this policy you’d pay $615 in premiums and get $440 back.
59th of the 187 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $277 better off over the year.
Two dental visits, new glasses and six physio sessions
$175 behind
That costs $1,240 with no cover. On this policy you’d pay $615 in premiums and get $440 back.
100th of the 179 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $601 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 | 60% of the fee | $750 | 2 months |
| Major Dental | Covered, amount not published as a set figure | $500shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $500shared with major dental | 12 months |
| Optical | $200 a visit | $200 | 6 months |
| Non-PBS Medications | 60% of the fee | $300 | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $600shared with antenatal/postnatal, exercise physiology and orthoptics | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $350shared with osteopathy | 2 months |
| Podiatry | $44 a visit first, then $38 a visit | $200 | 2 months |
| Psychology | $110 a visit first, then $90 a visit | Not published | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $300shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $300shared with acupuncture and chinese herbal medicine | 2 months |
| Audiology | Covered, amount not published as a set figure | $350shared with dietetics, home nursing and occupational therapy | 2 months |
| Antenatal/Postnatal | Covered, amount not published as a set figure | $600shared with physiotherapy, exercise physiology and orthoptics | 2 months |
| Chinese Herbal Medicine | Covered, amount not published as a set figure | $300shared with acupuncture and remedial massage | 2 months |
| Dietetics | Covered, amount not published as a set figure | $350shared with audiology, home nursing and occupational therapy | 2 months |
| Exercise Physiology | Covered, amount not published as a set figure | $600shared with physiotherapy, antenatal/postnatal and orthoptics | 2 months |
| Orthoptics | Covered, amount not published as a set figure | $600shared with physiotherapy, antenatal/postnatal and exercise physiology | 2 months |
| Home Nursing | Covered, amount not published as a set figure | $350shared with audiology, dietetics and occupational therapy | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | $350shared with audiology, dietetics and home nursing | 2 months |
| Osteopathy | Covered, amount not published as a set figure | $350shared with chiropractic | 2 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
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| TAS | $67.50 | $135.00 | $135.00 | $135.00 |
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 I6/TCWC10 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.