Updated 4 May 2016

Southern Cross

Wellbeing Starter

Snapshot: The Southern Cross Wellbeing Starter policy covers surgical procedures up to $500,000 per year. What else does it cover?

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Policy details


Insurance type

Hospital and surgery

Financial strength rating

A+ (Strong) Standard & Poor’s


0800 800 181

Core cover

Hospital surgical


Hospital medical


Specialist consultations associated with hospitalisation

$5000 within 6 months of surgery (no time limit for oncologist); dietician: $100 per consultation up to $500 within 6 months of surgery

Specialist consultations not associated with hospitalisation

Psychiatrist: $750

Major diagnostics associated with hospitalisation

Diagnostic imaging: $60,000 within 6 months of surgery; cardiac tests: $5000 within 6 months of surgery; diagnostic tests: $3000 within 6 months of surgery

Major diagnostics not associated with hospitalisation


Oral surgery

Tooth extraction covered under surgical maximum

Minor surgery

$450 per operation for GP surgery; $3000 for minor skin surgery


Pharmac/non-Pharmac chemotherapy drugs up to $10,000 (included as part of $60,000 chemotherapy benefit)

Additional cover

Physiotherapy after being discharged

$60 per visit up to $300 for 6 months after surgery

Post-op home nursing

$175 per day up to $2800, treatment must commence within 14 days of surgery

Overseas treatment


Suspension of cover

After 12 months of cover, overseas: 2-36 months

Accommodation for parents

$100 per night up to $500 per operation

Travel and accommodation benefit

Travel and accommodation: $500 for you and a support person if treatment over 100km from home

Public hospital benefit

$50 per night up to $2400

Death/funeral benefit

$2400 if insured dies aged under 65 from natural causes

Alternative medical providers


Guaranteed wordings


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