Lifetime Health Cover

Find our more about Lifetime Health Cover (LHC).

Medicare Levy Surcharge

Find out more about the Medicare Levy Surcharge.

The Australian Government Rebate

Find out more about the Australian Government Rebate.

Waiting Periods

All you need to know about waiting periods.

Going to hospital

What you need to know about out-of-pocket costs associated with private hospital admissions.

My Pregnancy

A guide to private health insurance cover when you’re having a baby.

Claiming Options

Explore the range of ways you can claim with Astute Simplicity Health.

Forms and Brochures

All of our forms and brochures in one location.

Information Guides

All of our information guides in one location.

Optical Providers

Find out more about the optical benefits available to Astute Simplicity Health members.

Gap Cover Providers

St.LukesHealth (the underwriters) Medical Gap Cover is designed to provide medical practitioners with the option to eliminate or reduce the medical gap for eligible Astute Simplicity Health members requiring hospital inpatient services.

Contracted Private Hospitals

Search for a contracted private hospital.

Nourish Baby Program

The Nourish Baby Program is designed to educate and support you and your partner throughout your pregnancy journey.


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Underwritten by St.LukesHealth


These products are underwritten by St Luke's Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

* The discount cannot be combined with other discounts available under other arrangements between St.LukesHealth and other alliance partners. The discount quoted is off the gross St.LukesHealth premiums. Direct debit is the only payment method available to Astute Simplicity Health members.

^ For some preventative dental items on selected products. Annual limits, fund rules and waiting periods apply. Under Gap Free Preventative Dental we pay 100% of your dentists regular fee up to a maximum benefit for each service.

#Selected products are Packaged Astute Gold 250, Packaged Astute Gold 500, Astute Top Hospital Gold 250, Astute Top Hospital Gold 500