One plan for the whole household — private hospital treatment, everyday extras like dental and optical, mental-health support, and a 24/7 nurse on the line. Switch on, switch off, or change cover any time.
No medical exam for the Basic and Standard plans. No lock-in contract.
41,800 families covered
Every plan includes 24/7 telehealth, ambulance cover and the full 12,400-hospital network. Move up a tier to add private rooms, dental, optical and mental-health sessions.
Everyday safety net — ambulance, public hospital and telehealth for a young or single household.
Indicative premium · single, age 30–39
$750 hospital excess · 12-month waiting period on pre-existing conditions
The one most families choose — private hospital, your own doctor, plus everyday dental and optical.
Indicative premium · single, age 30–39
$400 hospital excess · 2-month wait on extras
Everything, with higher limits and no excess — for growing families and frequent travellers.
Indicative premium · single, age 30–39
No excess · 12-month waiting period on pre-existing conditions
Every limit below is the amount WellGuard pays per person, per calendar year, on top of whatever your public health system covers. Nothing is hidden in a footnote.
| Annual limit per person | Basic$89 / month | Standard$149 / month | Premium$259 / month |
|---|---|---|---|
| Hospital cover | |||
| Public hospital treatment | |||
| Private hospital treatment | |||
| Choice of doctor & surgeon | |||
| Private room | |||
| Hospital excess per admission | $750 | $400 | $0 |
| Emergency ambulance & paramedics | |||
| Rehabilitation & palliative care | |||
| Waiting period — pre-existing conditions | 12 months | 12 months | 12 months |
| Everyday extras | |||
| General dental | $400 | $900 | |
| Major dental & orthodontics | $1,200 | ||
| Optical — glasses & contact lenses | $250 | $450 | |
| Physiotherapy | $500 | $1,000 | |
| Psychology & mental-health sessions | $300 | $800 | $2,000 |
| Remedial massage & osteopathy | $300 | $700 | |
| Prescription medicines | $500 | ||
| Unused extras limits roll over | |||
| Service & support | |||
| 24/7 telehealth GP | |||
| Hospital network access | Public hospitals | 12,400+ hospitals | 12,400+ & worldwide |
| Overseas emergency & travel cover | |||
| Claims app with auto-assessment | |||
| Cover for newborn dependants | |||
| Dedicated hospital case manager | |||
Walk in, show your WellGuard digital card, and we settle the bill directly with the hospital. No forms, no waiting for a refund, no arguing about codes at the front desk.
Most claims take under two minutes to lodge and are assessed automatically. If a human needs to look at it, you'll hear from a named assessor — not a queue.
Show your digital WellGuard card at any of the 12,400 network hospitals or clinics and we pay them directly. Outside the network? Pay and keep the itemised receipt.
Snap a photo of the receipt in the WellGuard app or web portal. Takes about 90 seconds, and you can add a claim for the whole family in one go.
87% of claims are auto-assessed within two hours. The rest are reviewed by a real assessor, and you can track the status of every claim live.
Funds land in your nominated account in 3.2 days on average — or instantly to your WellGuard wallet, which you can spend on any health service.
Hospital stays are stressful enough. Standard and Premium members get a real human to coordinate with the hospital, the surgeon and your employer — and to chase anything that needs chasing.
WellGuard cover grows with your household instead of resetting when your life changes. New babies join your Standard or Premium plan from day one, at no extra premium for the first 12 months.
"Our son needed grommets at four months old. We were in a private hospital the next week, no excess, and the claim was settled before we'd left the car park. Premium has already paid for itself."
Priya R.Premium family cover · 3 years
"I switched from a fund I'd been with for eleven years. WellGuard was $47 a month cheaper for the same private hospital cover, and the dental limits are actually usable."
Daniel O.Standard couple cover · 18 months
"Mum is on our Premium policy as a dependant. Her knee replacement was direct-billed, and the case manager rang us every week. That's the part I'd pay for on its own."
Amelia T.Premium multi-generation · 6 years
Tell us who needs cover and the level you're after. You'll see an indicative monthly premium instantly — before anyone asks for your phone number.
Your indicative quote
Two fields and a plan — that's all we need to price it.
Your indicative premium
Save 4% when you pay 12 months up front.
No. Basic and Standard cover don't require a medical exam or blood test — you answer a short health questionnaire, and we cover you from your start date. Premium cover may ask for a health declaration for existing conditions, which we'll always explain before you pay anything.
Any condition you had signs or symptoms of in the six months before joining has a 12-month waiting period, on every plan. You're still covered for everything else from day one. We publish the full definition in the product disclosure statement — worth a read before you sign.
Yes, at any time and with no fees. Upgrades to a higher tier carry the extras waiting period for the new benefits; downgrades are effective from your next billing date. Adding a newborn to a Standard or Premium plan costs no extra premium for the first 12 months.
At 9,200 allied-health practices you claim on the spot with your digital card and only pay the gap. Everywhere else, take a photo of the itemised receipt in the WellGuard app — it takes about 90 seconds and most extras claims are auto-assessed within two hours.
Premium includes emergency overseas treatment and travel cover in 38 countries, with direct billing at partner hospitals. Standard and Basic members can add a travel extension for $6–$14 a month depending on destinations and trip length.
There's no lock-in contract, so you can cancel or pause any time before your next billing date. Claims lodged for treatment you'd already received are still paid. Rejoining later may restart waiting periods, so we'll always tell you what you'd be giving up.