Insurance

So you know you’re covered whenever life gets in the way.

Insurance for when life gets in the way

At Astute, we’re focused on providing easy to understand, jargon-free solutions. Our customer insurance solutions are uncomplicated, and tailor-made to meet your specific personal and professional requirements.

Life Insurance

There are many types of insurance available to protect you and your loved ones against the unthinkable. While it might be uncomfortable to think of how you might cope in the event of an accident, it is an important conversation that will help protect your mortgage, your lifestyle and your future.

Learn More

General Insurance

With a variety of insurance options existing on the market from well-respected providers, Astute can direct you toward a specialist that is experienced in selecting products that are suited to your personal circumstances.

Learn More

Health Insurance

At Astute Simplicity Health, we’ve got you covered. We want you to have greater control and more choice to meet your health care needs. Astute Simplicity Health has a range of hospital, extras and packaged covers that have been specifically designed for you and your family.

Learn More

Our aim is to help protect you and the things you value from the financial impact of risks, big and small.

Astute General Insurance

Helping you protect the things that matter most.

At Astute, our aim is to help protect you and the things you value from the financial impact of risks, big and small – from fire, flood, storm and earthquake, to theft, and car accidents – and even from the costs of legal action against them.

Our General Insurance products include: Home and Contents (including for home owners, renters and landlords), Motor Vehicle, Business, Public and Products Liability, and Travel Insurance.

Here are 5 reasons why you should speak to one of Astute’s qualified General Insurance Brokers before choosing your next insurance policy.

They give you choice

Our General Insurance Brokers have access to competitive policies from a wide range of insurers and can often source policies not normally available to the general public.

They understand the fine print

They are fully qualified and are members of the Steadfast Group, Australia’s largest network of insurance brokers, and have the knowledge to understand policies, including the fine print, and can explain it to you in plain language.

They provide you the cover you need

When you deal with an Astute Insurance Broker, you are dealing personally with a qualified professional who has your interests at heart. They take the time to understand your needs and ensure you will receive an insurance policy that suits your needs.

They do all the running around

When it comes to adjusting your policy or making a claim – your Astute General Insurance Broker is there to help. They can facilitate any change of policy, will lodge a claim on your behalf and follow up with the insurer to ensure the best outcome possible – they even review your policy on renewal to ensure you are getting the best possible terms.

They make insurance simple

An Astute General Insurance Broker can reduce the stress and help make insurance coverage simple. With just one point of contact for changes, claims and enquiries, and the ability to offer you solutions to all your General Insurance needs, they will ensure you and your family are protected for the unexpected.

Your Home is your Castle and possibly your biggest investment. Astute Financial can show you how to protect your home against loss or damage to your House and/or content. There are a wide range of Home and Contents Insurance products in the market place and Astute Financial can identify which products suit your circumstances. Generally there are two levels of cover available for Home and Contents Insurance. Defined Events cover is the cheaper option and it provides cover for a specified list of claims. Anything not mentioned is not covered by the policy. Accidental Damage cover provides a higher level of cover and covers loss or damage to your property unless specifically excluded.
Cars are different things to different people, some people collect them, some people use them for camping and 4WD experiences, to some it is essential part of their business. No matter how or why you use your car Astute Motor Vehicle Insurance can find you a cost effective way to insure your car.Motor Insurance is provided with a number of different options. Comprehensive Insurance that covers damage to your own vehicle and third party property damage as well, Third Party Property Damage with Fire and Theft, or Third Party Property damage only. With most insurers, the sum insured can be either set at an agreed value or a market value.

Astute Simplicity Health Insurance

We've got you covered.

Astute Simplicity Health provides private health insurance has been designed, to protect you and your family’s health. Working with the underwriter, St.LukesHealth, who has provided private health cover to Australians since 1952, we know we have you covered with a company who has built a strong reputation on its expertise and ability to supply top quality health cover and to provide exceptional customer service to our members.

Astute customers receive a 5% discount* on Astute Simplicity Health products.

Astute Simplicity Health cover is Australia-wide so regardless of where you live, doing business with Astute Simplicity Health is easy. Astute Simplicity Health products are innovative with several standout product features including Gap Free Preventative Dental^, no hospital excess for dependent children and no gap optical partnerships.

At Astute Simplicity Health, we’ve got you covered. We want you to have greater control and more choice to meet your health care needs. Astute Simplicity Health offers Extras Protect as a stand-alone extras cover. Extras Protect offers benefits towards the cost of an extensive range of healthcare services not covered by Medicare.

Exclusive Features and Benefits

  • Astute customers receive a 5% discount* on Astute Simplicity Health products.
  • Gap Free Preventative Dental for the whole family at your choice of dentist! This includes x-rays, scale and clean and fissure sealing^.
  • No excess on same-day hospital stays for adults on selected products. Also, no excess on hospital stays for dependent children covered on the policy#
  • No waiting periods apply when switching to an equivalent level of cover, providing all waiting periods have been served with your previous insurer.

Packaged Cover

If you are looking for both hospital and extras cover, a packaged cover is the best option for you. We have both comprehensive packages and packages for those starting out or wanting to save.

Hospital Cover

Our hospital products provide top private hospital cover with a range of options to help you choose the right cover for you and your family.

Extras Cover

Our extras cover provides benefits for services not covered by our hospital covers or by Medicare. Extras Protect is our top stand-alone extras cover which includes Gap Free Preventative Dental, Optical, Physiotherapy and more!

For more information, please visit www.astutesimplicityhealth.com.au

Disclaimers

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