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Wellbeing Starter

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 procedures† and consultations1, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment or cancer care. You can also claim for GP and physiotherapy visits.

 
Get a quote >  or request a call back.


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

Product summary

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

Benefit

A few details to help you compare plans

Cancer care

Cover
Add optional Cancer Assist

Surgical procedures

$500,000 per year†
Cardiac surgery $100,000 per year
Restricted specialties#

Specialist consultations

Restricted specialties#
6 month rule* applies
Limit of 5 visits per claims year1

Diagnostic imaging and tests

Restricted specialties#
6 month rule* applies

Recovery

Restricted specialties#
6 month rule* applies

Support

Restricted specialties#

Non-surgical treatment

Restricted specialties#

Day-to-day healthcare

GP and physiotherapy visits
75% of expenses incurred up to $150 per claims year (in total)

Vision and dental healthcare

No cover

Overseas treatment allowance

No cover

Obstetrics allowance

No cover

Qualifying pre-existing conditions

No cover

† Prosthesis maximums apply.
1 Limited to 5 visits per claims year up to $5,000 per claims year (in total). 5 visit limit and 6 month rule does not apply to oncologist consultations. Excludes psychiatrist and all skin lesion consultations.
# This plan does not cover healthcare services for gynaecology, urology and orthopaedics (restricted specialities) unless directly required for the treatment of cancer.
* Must be performed within 6 months of related eligible surgical treatment or cancer care to be covered.

Optional Cover

Cancer Assist

SCHS_WEB_ICON_Keeping-Well

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

 

Critical Illness

SCHS_WEB_ICON_Keeping-Well

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 plans, please refer to the comparison chart.

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).