Terms and Conditions

Astute Simplicity Health is covered under St.LukesHealth's (the underwriter) terms and conditons.
St.LukesHealth Terms & Conditions
Join Declaration
I hereby declare the statements on this form/application to be true and complete and agree to be bound by the fund Fund Rules and related guidelines of St.LukesHealth as amended from time to time.

I acknowledge that this application form and brochure does not contain all the Fund Rules and related guidelines of St.LukesHealth.

I also acknowledge my membership is subject to the pre-existing condition rule, waiting periods and benefit limitation periods as explained in the brochure/website. A summary of membership conditions are shown in this brochure/website.

If the information supplied on this application is inaccurate or fraudulent, I acknowledge that St.LukesHealth may refuse to pay a claim, cancel the policy or require payment of any additional premium loading payable in accordance with the Lifetime Health Cover legislation.

I acknowledge St.LukesHealth has a Privacy Policy which I may view upon request, and I will inform any dependants referred to on this application of existence of St.LukesHealth Privacy Policy.

I consent to the collection, use and disclosure of my personal and sensitive information in the provision by St.LukesHealth of a health insurance service or for a purpose identified in the St.LukesHealth Privacy Policy, and I have authority to provide and consent to the release of personal and sensitive information on behalf of the dependants referred to in this application.

I acknowledge that I may withdraw my consent to the collection, use and disclosure of my personal and sensitive information and the personal and sensitive information of any dependant aged below 16 years (and any dependant aged 16 years and over may withdraw his or her consent), except where excluded by law.

I authorise the release of personal and sensitive information from my previous health fund, and from any hospital, medical practitioner, or other health service provider that St.LukesHealth deems necessary to administer my policy.

Website Terms of Use 
This web site is owned and operated by St.LukesHealth and will be referred to as "we", "our" and "us" in this Terms of Use policy. By using this site, you agree to the Terms of Use Policy of this web site ("the web site"), which is set out on this web site page.

Using our web site 
When using this web site you agree to be legally bound by these terms and conditions as they may be modified and posted to our web site from time to time.

Without prejudice to the above, by using or accessing our website, you agree to be legally bound by these terms and conditions of use as they apply to your use of or access to our website.

If you do not wish to be bound by these terms and conditions then you may not use our website.

You must ensure that the personal information you provide is accurate and complete and that all registration details (where applicable) contain your correct name, address and other requested details. For more information about how we deal with your personal information (including other person's on the policy), please read our privacy policy on this website.

Applicability of online materials 
Unless otherwise specified the materials published on our web site are presented solely for your private, personal and non-commercial use.

We have used all reasonable endeavors to ensure that our web site complies with Australian law. However, we make no representations that the materials on our web site are appropriate or available for use in locations outside of Australia.

Copyright & monitoring 
The contents of our web site are protected by international copyright laws and other intellectual property rights. We, or other third party licensors, are the owner of these rights. All product and company names and logos mentioned in our web site are the trade marks, service marks or trading names of their respective owners, including us. You may download material from our web site for the sole purpose of using it as a information resource for our health insurance services. However, you may not modify, copy, reproduce, republish, upload, post, transmit or distribute, by any means or in any manner, any material or information on or downloaded from our web site including, but not limited to text, graphics, video, messages, code and/or software without our prior written consent, except where expressly invited to do so, for example in order to complete any (but not restricted to) questionnaire and forms.

Linked sites 
We make no representations whatsoever about any other web sites which you may access through our web site or which may link to our web site. When you access any other web site you understand that it is independent from us and that we have no control over the content or availability of that web site. In addition, a link to any other site does not mean that we endorse or accept any responsibility for the content, or the use of, such a web site and shall not be liable for any loss or damage caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available on or through any other web or resource. Any concerns regarding any external link should be directed to its web site administrator or web master.

Availability of our web site 
We will try to make our web site available but cannot guarantee that our web site will operate continuously or without interruptions or be error free and can accept no liability for its unavailability. You must not attempt to interfere with the proper working of our web site and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, web site, router or any other internet connected device.

We reserve the right to alter, suspend or discontinue any aspect of our website or the content or services available through it, including your access to it. Unless explicitly stated, any new features including new content and/or the sale of new products and/or the release of new services or resources shall be subject to these terms and conditions. To the extent allowed by law, neither St.LukesHealth nor any of its employees will be liable for any errors or omissions in the contents or functions of the website, including errors or omissions due to negligence. You accept all risks and responsibility for losses, damages, costs and other consequences resulting directly or indirectly from using the website. You also accept the introduction of suport files (for example: cookies) to your electronic equipment should it be required as part of your or any other person/s usage of the website.

We are committed to safeguarding the privacy of our users. We take your privacy very seriously and it is important to us that you can use and enjoy our website without having to compromise your privacy in any way. For more information, please see our privacy policy.

Want to find out more?

Call today on 1300 090 960

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