UltraCare 400

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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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Get a quote

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Already a member?

Helpful policy information

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UltraCare 400 provides cover for:

Allergy Services
Being active
Cancer treatment
Consultations
Day-to-day treatment
Dental treatment
GP minor surgery
Imaging and tests
IV infusions (non-cancer)
Non-surgical treatment
Obstetrics allowance
Overseas treatment allowance
Psychiatric hospitalisation
Recovery services
Skin lesion services
Support services
Surgical allowances
Surgical Treatment
Vision care

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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.

1. Must be performed by an Affiliated Provider.
2. Some diagnostic imaging and tests must be performed by an Affiliated Provider.
3. Prosthesis maximums apply. Some surgical procedures must be performed by an Affiliated Provider.

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

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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 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 400 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:

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 UltraCare 400 offers an excess option of $500. Excess applies to each person covered under the policy and is only payable once each claims year.

Get a quote

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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 400 health insurance plan

You can find the policy document and view the various documents that form part of the UltraCare 400 policy below.

UltraCare 400

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Already a member?

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UltraCare 400 provides cover for:

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Additional benefits of membership

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Option to increase your cover for chemotherapy

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Extra cover options

Option to reduce your insurance premium with an excess

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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 400 health insurance plan

Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

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UltraCare 400

Already a member?

Additional benefits of membership

Option to increase your cover for chemotherapy

Option to reduce your insurance premium with an excess

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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