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Wellbeing Starter is an entry-level health insurance plan designed to cover those big concerns like cancer and cardiac surgery.

The plan includes cover for cancer care, some surgical treatment† and specialist consultations, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy. You’ll also be able to claim for GP and physiotherapy visits.

† Prosthesis maximums apply.

This plan does not cover healthcare services for gynaecology, urology and orthopaedics (restricted specialties) unless directly required for the treatment of cancer.

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Cancer Assist
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 Cancer Assist is an affordable addition to your health insurance plan (excluding HealthEssentials) and provides you with a one-off payment, over and above your health insurance, should you be diagnosed with a qualifying cancer. Use the one-off payment to spend on what’s important to you at a time when you need it most.

Learn more about Cancer Assist

Critical Illness
SCHS_WEB_ICON_Keeping-Well
 Critical Illness is an affordable addition to your health insurance plan (excluding HealthEssentials) and is designed to provide extra financial support when it's needed most.

You'll receive a lump sum cash payment if you're diagnosed with a critical illness or suffer a trauma such as a heart attack, stroke, qualifying cancer or loss of independent living. At what is undoubtedly a stressful time, you can use your Critical Illness payment to help take care of you and your family, so you can focus on recovery.
 

Learn more about Critical Illness

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.

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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 Starter benefit summary or contact us.

Frequently Asked Questions

A restricted specialty is the term used to describe the medical specialties of orthopaedics, gynaecology and urology, for which there is no cover under Wellbeing Starter unless the healthcare service is directly required for the treatment of cancer.

Please refer to the Wellbeing Starter policy document for other terms and conditions (including limits and exclusions).

Wellbeing Starter does not provide cover for surgical treatment, non-surgical treatment, support, consultations, imaging, diagnostic tests and recovery for gynaecology, urology and orthopaedics (referred to as restricted specialties), unless it is directly required for the treatment of cancer.

Please refer to the Wellbeing Starter policy document for other terms and conditions (including limits and exclusions).

Gynaecology means the medical specialty dealing with the female reproductive systems (ie cervix, uterus, fallopian tubes, ovaries, labia and vagina), excluding for the purpose of this policy, breasts.
Orthopaedics means the medical speciality dealing with the musculoskeletal system (ie the skeleton, muscles, cartilage, tendons, ligaments, joints, and other connective tissue that supports and binds tissues and organs together).
Urology means the medical specialty dealing with the male and female urinary tract system (ie kidneys, adrenal glands, ureters, urinary bladder, and urethra) and the male reproductive organs (ie testes, epididymis, vas deferens, seminal vesicles, prostate and penis).