A mother and daughters eating breakfast
A mother and daughters eating breakfast

Wellbeing Two

Wellbeing Two is a comprehensive surgical plan. The plan includes cover for cancer care and surgical treatment, with the advantage of cover for specialist consultations, diagnostic imaging and tests at any time. For those planning a new addition to the family, this plan includes an obstetrics allowance (after 1 year). 

To help reduce your premiums, you can add a $500, $1,000, $2,000 or $4,000 excess to your plan.

You can tailor your cover by adding modules that include cover for day-to-day healthcare services, vision and dental or a range of natural healthcare services.

† Prosthesis maximums apply.

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Wellbeing modules

Keeping Well Module**


Cover for GP, nurse, clinical psychologist and optometrist consultations, a flu vaccination, prescriptions, audiologist consultations and hearing tests, dental consultations and treatment.

Body Care Module


Cover for dietitian, nutritionist, podiatrist, acupuncturist, osteopath, chiropractor, naturopath, homeopath and registered massage therapist consultations.

Day-to-day Module**


Cover for GP, nurse and physiotherapist consultations, prescriptions, an annual health check and a flu vaccination.

Vision and Dental Module**


Cover for prescription glasses, prescription sunglasses and prescription contact lenses, optometrist and orthoptist consultations, dental consultations and treatment and audiologist consultations and tests.

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

Add extras

Cancer Cover Plus


You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options1 (Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.

Learn more about Cancer Cover Plus

1Cancer Cover Plus upgrades are fully underwritten, regardless of any pre-existing condition concession. They cannot be purchased if you or any dependant on the policy is over 60 years old.

Cancer Assist


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


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

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 Two benefit summary or contact us.