Switching to Astute Simplicity Health is easy
No waiting periods apply when switching to an equivalent level of cover, where all waiting periods have been served with your previous fund.
A 5% discount
Astute customers receive a 5% discount* on Astute Simplicity Health products, with easy payment by direct debit fortnightly or monthly.
Gap Free Preventative Dental for all the family at your choice of dentist
Under Gap Free Preventative Dental^ we pay 100% of the fee charged up to a maximum benefit* for each eligible service on selected Astute Simplicity Health products#. This means you may have no out-of-pocket to pay for an examination, x-ray, scale and clean or fissure sealing. If your dentist charges above the maximum benefit* an out-of-pocket expense may apply.
We recommend you obtain a benefit quote prior to receiving treatment.
The standout features of Gap Free Preventative Dental for Astute Simplicity Health members is that it applies to both adults and children and at your choice of dentist. We don’t tell you which dentist you need to go to in order to receive the higher benefit for preventative dental as it applies to all dentists^. A great way to help you keep your teeth and gums healthy.
An extra feature for children is gap-free cover^ for fissure sealing. Placement of sealants in children assessed as having a high risk of tooth decay is a safe and effective way in preventing dental decay in permanent teeth.
Gap Free Preventative Dental for children
Our Gap Free Preventative Dental is even better for children who can enjoy gap-free cover for fissure sealing on eligible products^. Placement of sealants in children assessed as having a high risk of tooth decay, is a safe and effective way in preventing dental decay in permanent teeth.
Children are covered until they turn 23
Children are covered on their parents’ policy until they reach the age of 23, provided they are not married or living in a defacto relationship. Single, full-time student dependants can remain covered until they reach the age of 25, if fully dependent on their parents.
No excess on same-day hospital stays for adults
Enjoy NO excess on same-day hospital stays for adults on our Gold Hospital products.
No hospital excess for children
If you choose an excess, you won’t have to pay the excess if a child covered on your policy needs to go to hospital.
Get rewarded for staying a member
At Astute Simplicity Health, we value the relationship we have with our members and that’s why we have Member Rewards on Astute Extras Protect. Member Rewards will reward each person who has held top general treatment (extras) cover with Astute Simplicity Health for five years or more with a 5 per cent increase in their dental benefits and annual dental limits.
Great service and great service options
We pride ourselves on our customer service. You can access your membership details and transact business over the phone or internet through our online member services. Claiming is easy with point of service electronic facilities (HICAPS), or the Astute Simplicity Health mobile claiming app from your iPhone or Android phone.
We have great partners too
You can choose from a range of no gap+ options and discounts from our optical partners, Specsavers, OPSM, Laubman and Pank.
*The discount cannot be combined with other discounts available under other arrangements between St.LukesHealth and other alliance partners.
^ For some preventative dental items on selected products#. Annual limits, policy and fund rules and waiting periods apply. An out-of-pocket expense may apply if your provider’s fee is higher than the maximum benefit* for each eligible service.
* Details on the calculation of the maximum benefit for each eligible service applicable to your product can be obtained on our website or by contacting Astute Simplicity Health.
# Selected products are Astute Extras Protect and Astute Wellbeing Extras.
+Subject to your level of cover and policy conditions