Wellbeing One is a broad surgical and healthcare plan for peace of mind. The plan includes cover for cancer care, unlimited surgical procedures and consultations1 , diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment or cancer care.


Get a quote > or request a call back.

You can also tailor your cover by adding a module that includes cover for GP, vision and dental benefits, or a range of preventative and natural healthcare services. To help reduce your premiums, you can apply a $500, $1,000, $2,000 or $4,000 excess.

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

$5,000 per claims year.1 6 month rule* applies.

Diagnostic imaging and tests

6 month rule* applies


6 month rule* applies



Non-surgical treatment


Overseas treatment allowance


Day-to-day healthcare

Add optional module

Vision and dental healthcare

Add optional module

Obstetrics allowance

No cover

Qualifying pre-existing conditions

No cover

† Prosthesis maximums apply.
1 Up to $5,000 per claims year (in total). 5 specialist consultation limit removed due to unintended impacts. Find out more.
* Must be performed within 6 months of related eligible surgical treatment or cancer care to be covered.

Wellbeing modules

Keeping Well module Southern Cross

Keeping Well Module
Cover for flu vaccination, prescriptions, GP visits and hearing, vision and dental consultations.


Body care module Southern Cross

Body Care Module
Cover for preventative, allied and natural healthcare including dietitian/nutritionist, podiatrist, acupuncturist, osteopath, chiropractor, naturopath/homeopath and remedial massage therapy consultations.

Add extras: 

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

Keeping Well Southern Cross

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.

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 (and exclusions), please refer to the policy document, the Wellbeing One benefit summary or contact us.