UltraCare is a premium surgical and healthcare plan for those who want the highest level of cover. The plan includes cover for cancer care, unlimited surgical procedures along with consultations, diagnostic imaging and tests at any time. Plus your qualifying pre-existing conditions will be covered after 3 years.

You’ll also be able to claim for day-to-day healthcare including GP and nurse consultations, chiropractor, prescriptions and hearing tests up to the policy limits. For those planning a new addition to the family, this plan includes an obstetrics allowance (after 12 months).  

You can choose your own specialist and also upgrade to add vision and dental benefits for our most complete cover.


Get a quote > or request a call back.

Product summary

You will be reimbursed for 100% of expenses (unless otherwise stated) for eligible healthcare services, up to the policy limits.


A few details to help you compare plans

Cancer care

Add optional Cancer Assist

Surgical procedures


Specialist consultations


Diagnostic imaging and tests






Non-surgical treatment


Overseas treatment allowance


Obstetrics allowance

After 1 year

Day-to-day healthcare


Vision and dental healthcare

Add UltraCare 400

Qualifying pre-existing conditions

After 3 years

Optional cover

Cancer Assist


Get a one-off payment, over and above your health insurance, if you are diagnosed with a qualifying cancer. Find out more>


Critical Illness


Add Critical Illness to your health insurance to get the financial boost you need if you are diagnosed with a qualifying critical illness event (such as cancer or stroke). Find out more >

Your Cancer Assist or Critical Illness policy will be separate to your health insurance policy. There is no cover for pre-existing health conditions in your Cancer Assist or Critical Illness policy.

Optional modules


Vision and Dental (UltraCare 400)
Optional cover for dental treatment, vision including glasses/lenses and an annual health check.

Compare health insurance plans

To see more benefit details and compare with our other health insurance plans, please refer to the comparison chart.

Plan documents and more information

For full details on the terms and conditions (including exclusions), please refer to the plan documents or contact us.