Astute Extras Protect

Astute Extras Protect

Astute Extras Protect is our top stand-alone extras cover and offers benefits towards an extensive range of extra health care services. If you prefer a full range of benefits, then Astute Extras Protect is your best choice.

Examples of benefits are included in the extras benefit comparison and where applicable annual limits are per person covered per calendar year unless otherwise specified.

A calendar year runs from January to December.

Astute Extras Protect is our top stand-alone extras cover and can be taken on its own if you only need extras cover, or you can tailor your own hospital and extras package by combining Astute Extras Protect with a hospital cover from our stand-alone hospital range.

If you prefer a full range of benefits, then Extras Protect is your best choice.

Astute Extras Protect

Comprehensive option (to keep you and your family protected)
Extras Plan Level of Extras cover
Astute Extras Protect Comprehensive

Extras benefits included in Astute Extras Protect

Examples of benefits are included in the table below and where applicable annual limits are per person covered per calendar year unless otherwise specified. A calendar year runs from January to December. Benefits are only payable when rendered by a practitioner in private practice who is registered by the underwriter St Lukes. You should contact the fund to ensure your provider is registered before undergoing treatment.

Please note that benefits listed below are from April 1, 2024.

Extras Benefits

General Dental

Waiting period: 2 Months

Major Dental

Waiting period: 12 Months

Orthodontics (inc. in Major Dental limit)

Waiting period: 12 Months

Physiotherapy

Waiting period: 2 Months

Exercise Physiology

Waiting period: 2 Months

Approved Group Exercise Physiology Sessions

Waiting period: 2 Months

Antenatal/Post-Natal

Waiting period: 2 Months

Lymphedema Treatment

Waiting period: 2 Months

Eye Therapy

Waiting period: 2 Months

Pharmacy

Waiting period: 2 Months

Dietetics, Nutrition and Diabetes Education

Waiting period: 2 Months

Occupational Therapy

Waiting period: 2 Months

Speech Therapy

Waiting period: 2 Months

Home Nursing

Waiting period: 2 Months

Podiatry

Waiting period: 2 Months

Audiology

Waiting period: 2 Months

Acupuncture

Waiting period: 2 Months

Chinese Herbal Medicine

Waiting period: 2 Months

Remedial Massage

Waiting period: 2 Months

Myotherapy

Waiting period: 2 Months

Osteopathy

Waiting period: 2 Months

Chiropractic

Waiting period: 2 Months

Clinical Psychology

Waiting period: 12 Months

Counselling

Waiting period: 12 Months

Health Appliances and Aids

Waiting period: 12 Months

Health Management

Waiting period: 3 Months

Optical

Waiting period: 6 Months

Approved Group Physiotherapy Sessions

Waiting period: 2 Months

Social worker

Waiting period: 12 months

Need help deciding

Our friendly staff are only a phone call away and are trained to provide personalised service to assist you in choosing the level of health cover you require.