UltraCare

A surgical and healthcare plan for those who want the highest level of cover.

This plan provides cover for eligible healthcare services, including surgical and cancer treatment, specialist consultations, and diagnostics provided at any time, as well as some day-to-day healthcare services.

You can choose your own specialist, and your qualifying pre-existing conditions will be covered after 3 years of continuous cover. Policy limits may apply.

For those planning a new addition to the family, this plan includes an obstetrics allowance.

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Already a member?

Helpful policy information

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UltraCare provides cover for:

Surgical Treatment
Recovery services, including physiotherapy*
Obstetrics allowance (after one year of continuous cover)
Day-to-day healthcare services (like GP services)
Specialist consultations at any time
Cancer treatment
Support services
Psychologist and psychiatrist consultations
Allergy services
GP visits, prescriptions, physiotherapy, and hearing tests
Diagnostic imaging and tests at any time
IV infusions (non-cancer)
Overseas treatment allowance
Skin lesion services
Surgical allowances

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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.

*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 and nurse consults with CareHQ, when booked through 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*.

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*Subject to change. T&Cs apply. CareHQ health coaching consults not included.

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.

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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.

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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:

CancerAssist
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.
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.
Learn more

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Get a quote

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Back to plans

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

Our team are happy to help:
Monday to Thursday 9:00am - 5:00pm
Friday 9:00am - 4:30pm

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UltraCare health insurance plan

You can find the policy document and view the various documents that form part of the UltraCare policy below.

UltraCare

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Already a member?

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UltraCare provides cover for:

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Additional benefits of membership

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Option to add vision and dental cover

UltraCare 400

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Option to increase your cover for chemotherapy

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Extra cover options

CancerAssist

Critical Illness

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

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UltraCare health insurance plan

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Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

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What we offer

Who we're for

Important information

Quick links

Help links

Open links

Already a member?

Additional benefits of membership

Option to add vision and dental cover

UltraCare 400

Option to increase your cover for chemotherapy

CancerAssist

Critical Illness

Need more help in finding the right health insurance for you?

Call us on 0800 100 555

Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

What we offer

Who we're for

Important information

Quick links

Help links

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