Common costs for specialist consultations and diagnostic tests The image below shows the average costs of specialist consultations and diagnostic tests or procedures our customers have needed.
Ultrasound $350 - $850
CT Scan $700 - $2,000
MRI Scan $1,700 - $2,800
P.E.T Scan $3,000 - $3,500
Mammography $250–$500
Colonoscopy $2,500 to $5,500
Common fees for Initial Specialist Consultations (not including tests): $250 - $700
Source: AIA Health Claims Data, 30 April 2025
Things to keep in mind STS is designed to give you access to the answers you need quickly. It’s a great way to get faster access to a diagnosis without the cost of comprehensive health cover. While it covers a wide range of specialist tests, consultations and diagnostic procedures, there are a few things it doesn’t cover.
Please refer to the policy wording for limitations and exclusions. For a full list of exclusions please click here.
Examples of how Specialist and Testing Support can help
Ravi’s story At 60, Ravi wanted to reduce his expenses as he approached retirement. He held a Private Health policy but felt comprehensive cover was no longer necessary. After seeking advice from his adviser, Ravi replaced his health policy with a more affordable STS benefit maintaining cover for private specialist consultations and diagnostic tests. Months later, Ravi used his STS benefit to see a cardiologist privately and was diagnosed with coronary artery disease (CAD). He was advised to have an angioplasty and stenting and is now on the public waitlist for treatment. Georgie’s story At 24-years-old, Georgie wanted to feel more in control of her future. With her adviser, she purchased a $150,000 life insurance policy and chose to add Specialist and Testing Support, with a $250 excess to help keep premiums affordable. Ten months later, Georgie experienced abnormal bowel symptoms and was referred by her GP for a colonoscopy. Faced with the long public wait time, she used her STS benefit to get a private colonoscopy. A small bowel polyp was removed during the procedure and Georgie was advised she would require a follow up in five years. If treatment was required, she would have sought this through the public system.
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