Wellbeing is a modular plan available directly from Southern Cross.
You choose the base level of cover from Wellbeing One or Wellbeing Two.
Wellbeing One is a plan for those who want affordable cover for surgery, related expenses and for cancer care.
Wellbeing Two is a plan which provides cover for surgery and cancer care
as well as consultations, imaging and diagnostic tests.
You can then add optional modules to your base plan for extra cover, or an excess
if you want to reduce your premium.
Benefits:
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Wellbeing One
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Wellbeing Two
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Surgical treatment, up to a maximum of $100,000 per operation, includes cover for recovery and support
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Cancer care including chemotherapy, radiotherapy, oncologist consultations and palliative care
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Specialist consultations
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within 6 months
before or after surgery
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Diagnostics (imaging and tests) including x-rays, ultrasounds, mammography, MRI, CAT and PET scans
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within 6 months
before or after surgery
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Non-surgical hospitalisation excluding hospice and geriatric care
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Optional Body Care module
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Optional Day-to-day module
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Optional Vision and Dental Care module
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With the Wellbeing plan, there is no cover for pre-existing conditions.
Optional modules
Body Care module benefits
Cover for preventative, allied and natural healthcare including dietitian/nutritionist consultations, podiatry, acupuncture, osteopathy, chiropractic and naturopathy consultations.
Day-to-day module benefits
Day-to-day cover including doctor visits, prescriptions, annual health check, flu vaccination, and physiotherapy.
Vision and Dental Care module benefits
Contribution towards costs for vision and dental care including spectacles / lenses, optometrist, and dental consultations and treatment.
How affordable is this plan?
The cost of your plan is directly related to the level of coverage. The more extensive the coverage, the higher the cost.
The Wellbeing plans can be tailored to suit your budget. Optional modules can be added for an additional cost. Excess options are available on both Wellbeing plans, which can help trim costs.
You may be able to lower your premiums (if you aren't part of a subsidised work scheme) through our :
- 10% healthy lifestyle reward - if you meet our simple healthy lifestyle criteria we’ll reduce your premiums for up to two years; or
- low claims reward if you don’t claim over the low claims threshold.
How does the reimbursement work for this plan?
A Wellbeing plan will reimburse you the lowest of the actual costs, reasonable charges, or policy limits as detailed in the policy document for eligible healthcare services.
More information?
For full details on the terms and conditions (including exclusions), please refer to the policy document, the Wellbeing One benefits summary, the Wellbeing Two benefits summary and Wellbeing modules benefit summary or contact us.