What sort of plan is this?
First Cover is a shared cost modular plan. Beginning with a foundation module, you can add extra cover to suit your needs.
What level of reimbursement does it offer?
A First Cover plan will reimburse as much as 80% of the eligible costs you incur (subject to reasonable changes) up to stated policy maximums.
What does this plan include?
Surgery and medical treatment in hospital is the foundation module First Cover 1 ►.It covers you for the problems that are least predictable and have the highest potential cost. You have the option to add First Cover 2 ►, which covers you for visits to specialists and diagnostic tests.
How affordable is this plan?
Because you pay a portion of your treatment costs, the insurance premium you pay for First Cover is lower.
How do you get this plan?
First Cover plans are only available through selected insurance advisers.
More information?
For full details on the benefits, limitations, exclusions and other conditions that may apply (including additional information such as how to make a claim, applying for prior approval and using Affiliated Providers) please refer to the Terms and Conditions of Insurance ► and the relevant Schedule of Benefits. Otherwise, please call us on 0800 100 777.
If you're an existing Southern Cross member, you can call us on 0800 800 181.