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 procedures, consultations, diagnostic imaging and tests anytime.


  Get a quote > or request a call back.


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

Add optional Cancer Assist

Surgical procedures


Specialist consultations


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.

Wellbeing modules


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



Body 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 physiotherapy.


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


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

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


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 (including exclusions) please refer to the plan documents or contact us.