Wellness

From
$3.95Prices based on WA rates for a single premium paid by direct debit with no Lifetime Health Cover loading. A single Wellness policy costs $204.95pa, which is equivalent to $3.95 a week after deducting the Australian Government 30% Rebate on private health insurance.
pw

Includes 30% Rebate. Price based on your eligibility.

Wellness cover provides benefits for a wide range of lifestyle services including remedial massage, nutritionists, reflexology, yoga, pilates and travel vaccinations. Wellness is included in our Premium Essentials product, and can be added to any of our other Essentials or Twin Pack products for an additional premium.

If you’re looking for:

Cover to compliment your healthy lifestyle; Wellness lets you claim on a range of services, from reflexology to pilates.
Cover for services that help correct or prevent the onset of adverse health conditions.

Good for:

Regular users of lifestyle services and remedial massage, you can claim up to $1800 every year.
If you have Essentials or a Twin Pack, you can add it to your cover.

Wellness provides benefits for a wide range of lifestyle services, like: remedial massage/myotherapy, travel vaccinations, nicotine replacement therapy, yoga and pilates programs, nutritionist and herbalist consultations, reflexology, psychology, exercise physiology, health monitoring equipment and preventative equipment.

What are you covered for?

Your Wellness benefits are paid from two groups

Group 1: claim each service until you reach the individual benefit maximum for that service, in any calendar year.

Group 1: Individual Benefit Maximums
The health services outlined below have individual benefit maximums, so you can continue to claim each service until you reach the individual benefit maximum for that service in any calendar year.		Waiting Period	Benefits up to	Max pp per calendar year
Psychology	Psychologists specialised in approved disciplines such as Clinical, Counselling, Educational & Development Psychology.	2 months	$44 (initial & standard consult) $22 (group consult)	$450
Exercise Physiology	Exercise Physiologists are providers of exercise interventions for physical rehabilitations; as a strategy for disease prevention; or for establishing & sustaining functional independence.	2 months	$28 per consult $10 (group consult)	$400
Remedial Massage/Myotherapy	Remedial massage treatment assists in healing parts of the body that have been injured or left inactive due to age, illness or injury.	2 months	$28 per consult	$300
Nutritionist	Nutritionists provide advice about food choices for a healthy diet using their extensive knowledge of the nutritional value for foods.	2 months	$33 (initial consult) $28 (subsequent consult)	$200
Travel Vaccinations	Travel vaccinations protect people against disease when travelling. Benefit is payable for typhoid, yellow fever, cholera, meningococcal, small pox, poliomyelitis, hepatitis A and B.	2 months	100%	$100
Nicotine Replacement Therapy	Nicotine Replacement Therapy (NRT) prevents illness by helping members to quit smoking. NRT includes patches, lozenges, gum & Nicotine Inhalers.	2 months	100%	$100

Group 2: claim up to a maximum of $400 on any of the benefits listed. Please note, individual benefit maximums also apply for services included in this Group.

Group 2: $400 Group Benefit Maximum with Individual Benefit Maximums
The health services outlined below have a group benefit maximum of $300. That means you can claim up to a total of $400 across all of those services in any calendar year but individual benefit maximums also apply.		Waiting Period	Sub limit	Benefits up to	Group max pp per calendar year
Bowen Therapy	Bowen Therapy is a soft tissue remedial therapy approach to pain relief and healing. It includes the therapist using fingers or thumbs to move over muscle, ligament, tendon and fascia in the body.	2 months		$28 per consult	$400
Alexander Technique	The Alexander technique teaches how to unlearn postural habits that cause pain or harmful tension in your body. It is a method for improving ease and freedom of movement, balance, support and coordination.	2 months		$28 per consult	$400
Kinesiology	Kinesiologists work with individuals to enhance their health, fitness and well-being. Any imbalance can be detected by testing muscles to assist an individual in regaining their optimal physical function.	2 months		$28 per consult	$400
Hypnotherapy	Hypnotherapy is a therapy that is undertaken with a person in hypnosis with the aim of increasing motivation or altering behavior patterns.	2 months		$28 per consult	$400
Feldenkrais	The Feldenkrais Method is a form of movement re-education. It aims to reduce pain or limitations in movement, to improve physical function, and to promote general wellbeing.	2 months		$28 per consult	$400
Shiatsu	Shiatsu is Japanese for “finger pressure”. The practitioner uses a combination of stretches and other massage techniques applying pressure to key points to influence and stimulate energy flow in the body.	2 months		$28 per consult	$400
Aromatherapy	Aromatherapy uses volatile plant materials, known as essential oils, and other aromatic compounds to reduce stress and enhance the individuals healing process.	2 months		$28 per consult	$400
Reflexology	Reflexology is a therapy based on the principle that reflex areas in the feet, hands and ears relate to the internal organs and other structures of the body.	2 months		$28 per consult	$400
Herbalist Consultation	Herbalists prescribe and prepare natural remedies specific to their client's health profiles using plants and plant parts. Providers of Herbalist consultations may provide Western herbal medicine consultations or Chinese herbal medicine consultations. Herbs not included.	2 months		$28 per consult	$400
Yoga Program*	Yoga is a system of exercises that help your control of the body and mind. It also improves your breathing and focuses the alignment of your body.	2 months		$75 per program	$400
Pilates Program*	Pilates is an exercise style that involves training your muscles to improve posture and alignment.	2 months		$75 per program	$400
Health Monitoring Equipment	Equipment to monitor your health to identify potential illness before it occurs and assist in early preventative strategies being put in place. Inclusions: Bathroom/Body Weight Scales, Cholesterol Monitoring Kit, Blood Pressure Monitor, Pedometers, Heart Monitoring Equipment, Thermometers.	2 months	$75	100%	$400
Preventative Equipment	Preventative equipment prevents injury from occurring when exercising or doing activities designed to improve health. Inclusions: Joint & Back Supports, Braces, Pressure Garments, Aids to Recovery Equipment.	2 months	$75	100%	$400

*A program is a minimum of eight sessions within a three month period.

All Wellness services have a two-month waiting period before you can claim benefits.
Benefits are only payable for services and programs provided by HBF approved providers.

For full benefits see the policy details.

Policy terms and conditions and waiting periods apply.