UltraCare

UltraCare includes cover for:

Cover for qualifying pre-existing conditions after 3 years of continuous cover (except for cover under Cancer Cover Plus)
Day-to-day healthcare services
(like GP services)
Flexibility to choose a healthcare provider outside of our Affiliated Provider network
Specialist consultations at any time
Diagnostic imaging and tests at any time
Cancer treatment
Surgical treatment
Support services
Recovery services, including physiotherapy*
Psychologist and psychiatrist consultations
Obstetrics allowance after 1 year of continuous cover
And more

See the benefit summary document below for a more detailed view of all the benefits and the policy documents for full terms and conditions, including exclusions.

*Physiotherapy treatment must be performed within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy.

Policy terms and conditions, including policy maximums and exclusions apply.

Additional benefits of membership

You can access membership benefits at no extra cost, no matter which health insurance plan you choose.

Online GP consults with CareHQ from 7am-7pm when you book via the MySouthernCross app*.

Up to three online mental health sessions with Raise each claims year* to help you access the support you need on any issues impacting your life.

An annual health check with MedPro each claims year, including advice to manage your health, for members 16 years and over*.

*Subject to change. Terms, conditions and limits apply.

Option to add vision and dental cover

UltraCare 400

The UltraCare 400 plan provides the same cover as the UltraCare base plan, with extra cover for prescription glasses, contact lenses and dental treatment.

Option to increase your cover for chemotherapy

You can upgrade from the ‘Chemotherapy for cancer’ benefit to Cancer Cover Plus. This gives you a higher level of cover for costs associated with chemotherapy treatment, including for chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated.

Cancer Cover Plus upgrades are fully underwritten, regardless of any pre-existing condition concessions. Eligibility criteria apply. Only available to purchase where all members on a policy are under 60 years old.

Find out more

Extra cover options

Alongside your Ultracare plan, you can add extra cover that provides a lump sum payment for serious illnesses or trauma events. Each can provide extra financial support during a tough time:

Cancer Assist

A Cancer Assist policy provides a one-off payment if you’re diagnosed with a qualifying cancer. Spend this payment on what’s important to you at a time when you need it most.

Eligibility criteria, policy terms and conditions, including exclusions apply.

Learn more

Critical Illness

A Critical Illness policy provides a one-off payment if you have a confirmed diagnosis of a critical illness event, such as a heart attack, stroke, qualifying cancer, paralysis, organ failure or loss of independent living.

You can use your Critical Illness payment to help take care of you and your family, so you can focus on recovery.

Eligibility criteria, policy terms and conditions, including exclusions apply.