Health+
OUR ASSESSMENT
The guided-versus-traditional distinction makes this useful to compare on access as well as price.
Features to compare
- Traditional Health+ offers a choice of three hospital lists and a named-specialist referral route.
- Guided Health+ uses an open referral and a shortlist of specialists, while sharing the core cover.
Limitations and checks
- Guided access is a different choice process, not unrestricted specialist choice. Selected modules, underwriting and pre-authorisation still apply.
The question to ask
Can I see my preferred specialist and hospital under this particular option?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
