We believe wellness is all about taking care of yourself. And that’s why SmartCare 3 covers you for treatments by other health practitioners, such as osteopaths, natural therapists and nutritionists, on top of your cover for hospital and surgical care (SmartCare 1). You could take out SmartCare 3 with or without SmartCare 2.

With SmartCare 3 you’re covered for up to $800 a year (up to $45 each time) for visits to these health practitioners:

• Osteopaths – up to $240 a year
• Chiropractors – up to $240 a year
• Physiotherapists – up to $200 a year
• Dieticians and Nutritionists – up to $200 a year
• Acupuncturists – up to $200 a year
• Naturopaths, Homeopaths and Medical Herbalists – up to $200 a year
• Reflexologists – up to $200 a year
• Remedial Body Therapists – up to $200 a year
• Nutritionalists - up to $200 a year
• Podiatrists - up to $200 a year

You’re also covered for a flu vaccination every year (up to $40). And after three years on SmartCare 3, you’re covered for sick leave without pay of $100 a week for up to five weeks each year. There’s a stand-down of three months before a claim can be made but you won’t pay any excess on claims.