First Cover is a shared cover set of plans available only through selected advisers.
Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive.
First Cover
Benefits:
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First Cover 1
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First Cover 2
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Surgical treatment, up to a maximum of $100,000 per operation, includes cover for recovery and support
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Cancer care including chemotherapy, radiotherapy, oncologist consultations and hospice care
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Specialist consultations
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within 6 months
before or after surgery
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Out-of-hospital tests including cardiac tests
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within 6 months
before or after surgery
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Imaging including x-rays, ultrasounds, mammography, MRI, CAT and PET scans
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Non-surgical hospitalisation excluding geriatric care
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With First Cover, there is no cover for pre-existing conditions.
How affordable is this plan?
Because you pay a portion of your treatment costs, the insurance premium you pay for First Cover is lower.
You may be able to lower your premiums (if you aren't part of a subsidised work scheme) through our:
- 10% healthy lifestyle reward - if you meet our simple healthy lifestyle criteria we’ll reduce your premiums for up to two years; or
- low claims reward if you don’t claim over the low claims threshold.
How does the reimbursement work for this plan?
A First Cover plan will reimburse 80% of the eligible costs you incur (unless otherwise stated and subject to reasonable charges) up to stated policy maximums.
More information?
For full details on the terms and conditions (including exclusions), please refer to the First Cover 1 schedule of benefits, First Cover 2 schedule of benefits or contact us.