Wellbeing One

What’s included I Optional cover I Excess and Premiums

Wellbeing One includes cover for:

Specialist consultations1 within 6 months of eligible cancer care or surgical treatment2
Diagnostic imaging and tests3 within 6 months of related eligible cancer care or surgical treatment
Chemotherapy for cancer and radiotherapy treatments1
Surgical treatment4
Recovery services within 6 months of related eligible cancer care or surgical treatment
Support services
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.

Must be performed by an Affiliated Provider.
6 month condition does not apply to consultations with an oncologist or radiation oncologist.
Some diagnostic imaging and tests must be performed by an Affiliated Provider.
Prosthesis maximums apply. Some surgical procedures must be performed by an Affiliated Provider.

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 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

Option to add a Wellbeing module

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

Wellbeing One policy terms, conditions and exclusions apply, including relevant registration requirements for the health services providers providing the healthcare services.

Vision and Dental Module**

Provides cover for prescription glasses, prescription sunglasses and prescription contact lenses, optometry consultations, orthoptist treatment, dental services, audiology services and hearing tests, brainstem auditory evoked response tests.

Keeping Well Module**

Provides cover for GP services, nurse services, optometry consultations, audiology services and hearing tests, dental services, flu vaccination, prescriptions for Pharmac approved drugs, and clinical psychology.

Day-to-day Module**

Provides cover for annual health check, flu vaccination, GP services, nurse services, physiotherapy and prescriptions for Pharmac approved drugs.

Body Care Module

Provides cover for eligible healthcare services performed by an acupuncturist, registered massage therapist, chiropractor, osteopath, homeopath, naturopath, dietitian, nutritionist and podiatrist.

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

Extra cover options

Alongside your Wellbeing One plan, you can add extra cover that can provide 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.

Learn more

Option to reduce your insurance premium with an excess

Adding an excess is one way you can reduce your premiums. The excess only applies to surgical procedures, chemotherapy (including Cancer Cover Plus) and radiotherapy. You don't need to pay the excess when claiming on other benefits of the policy.

Wellbeing One offers excess options of $500, $1000, $2000 or $4000.

Excess applies to each person covered under the policy and is only payable once each claims year.