Wellbeing Two
Wellbeing Two is a comprehensive surgical plan designed to offer a wide range of benefits for you and your family. This plan includes cover for cancer and surgical treatment, support and recovery.
Wellbeing Two also gives you the flexibility to access specialist consultations, diagnostic imaging and tests at any time, regardless of whether they are related to surgical treatment, chemotherapy or radiotherapy.
This plan covers laboratory tests and includes an obstetrics allowance for those planning a new addition to family (after one year of continuous cover).
Already a member?
- Specialist consultations at any time1
- Diagnostic imaging and tests2 at any time
- Chemotherapy for cancer and radiotherapy treatments1
- Surgical treatment3
- Recovery services within 6 months of related eligible cancer care or surgical treatment
- Support services
- Obstetrics allowance (after one-year of continuous cover)
- And more
See the benefit summary document below for a more detailed view of the benefits, and the policy documents for full terms and conditions, including exclusions.
- Must be performed by an Affiliated Provider.
- 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*.
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.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 Two 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 Two 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.
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.
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 Two 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.
Need more help in finding the right health insurance for you?
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Wellbeing Two health insurance plan
You can find the policy document and view the various documents that form part of the Wellbeing Two policy below.
