Wellbeing Two

Wellbeing Two health insurance is a comprehensive surgical and healthcare plan to take care of you and your family, with the advantage of cover for consultations, diagnostic imaging and tests at any time. The plan includes cover for cancer care, unlimited surgical treatment†, consultations, diagnostic imaging and tests. For those planning a new addition to the family, this plan includes an obstetrics allowance (after 12 months).  Get a quote >


You can also add optional modules for day-to-day, vision and dental, and natural healthcare cover. 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


Surgical procedures


Cardiac surgery




Diagnostic imaging and tests



6 month rule* applies



Non-surgical treatment


Overseas treatment allowance


Obstetrics allowance

After 1 year

Day-to-day healthcare

Add optional module/s

Vision and dental healthcare

Add optional module/s

Qualifying pre-existing conditions

No cover

† Prosthesis maximums apply.
* Must be performed within 6 months after related eligible surgical treatment or cancer care to be covered.

Optional modules


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

ICON_Wellbeing-Module1_40x40Body Care Module**
Cover for preventative, allied and natural healthcare including dietitian/nutritionist, podiatrist, acupuncturist, osteopath, chiropractor, naturopath/homeopath and remedial massage therapy consultations.

ICON_Wellbeing-Module-2_48x48Day-to-day Module**
Day-to-day cover including doctor visits, prescriptions, annual health check, flu vaccination, and

ICON_Wellbeing-Module3_48x48Vision and Dental Module**
Contribution towards costs for vision and dental care including glasses/lenses, optometrist, and dental consultations and treatment.

Please note: The Keeping Well Module cannot be held with Day-to-day and Vision and Dental modules.

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 following documents or contact us.

bsiconWellbeing Two benefit summary

bsiconWellbeing modules benefit summary

pdiconWellbeing One and Wellbeing Two policy document

pdiconList of prostheses and specialised equipment

bsiconEligibility criteria

Get a quote for this plan > or request a call back.