Upgrade your health with HealthEssentials

HealthEssentials is a day-to-day plan designed to help you actively manage your everyday health. From just $1 a day, you could get up to $1250 of value every year*. Claim 75% of the cost of eligible healthcare services (up to the annual policy limits), including:

  • Dental visits
  • Prescription glasses
  • Physio
  • Doctors’ bills
  • Nutritionist appointments 
  • Massage therapy
  • and more every year.

Quick quote

Under 35 yrs

35 yrs and over


$7 per week**

$9.50 per week**


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Annual value

GP consultations

$150 per claims year

No stand down

Dental consultations and treatment

Excludes extraction of wisdom teeth

$500 per claims year

3 month stand down

Optometrist consultations 

$100 per claims year

3 month stand down

Prescription glasses/ contact lenses

For change of vision, and replacement for loss or breakage

$250 per claims year

3 month stand down

Self Care:

- Physiotherapy

- Osteopathy
Excludes the cost of medication

- Chiropractic
Excludes the cost of medication

- Registered massage therapy

- Acupuncture

- Dietitian or nutritionist
Excludes the cost of food and food substitutes

$250 per claims year (in total)

No stand down

Total value

$1,250 per claims year


HealthEssentials can be held on its own or added on to any other health insurance plan.

Keen to compare all Southern Cross plan options and get a quick quote?

HealthEssentials plan documents

*Terms, conditions and exclusions apply, including benefit sub-limits and stand down periods. For full details on the terms and conditions (and exclusions), please refer to the policy document, optical benefit factsheet, or contact us.

**Pricing includes a 2.5% direct debit discount.