What sort of plans are these?

With RegularCare and RegularCare Budget you share the cost of your healthcare services. It is an all-round healthcare plan that protects you against some of the costs of private surgery and day-to-day medical expenses.

What level of reimbursement do they offer?

In most cases, if your claim is for a surgeon and/or anaesthetist fee you are covered for the full cost up to the policy limit stated in the Schedule of Surgical Maximums ►. If your claim is for any other eligible healthcare service, your refund will be the lower of either 80% of your actual costs or  the policy limit stated in the Coverage Tables of the policy document (please note that a small number of surgeon and anaesthetist fees are also calculated this way). For full details including limitations and exclusions please refer to the policy document ►

What does this plan include?

It is an all-round healthcare plan that protects you against some of the costs of private surgery and day-to-day expenses, including doctor visits, prescriptions, physiotherapy, consultations, non-surgical hosptialilsation and diagnostics such as scans and tests.

How affordable is this plan?

RegularCare and RegularCare Budget are more affordable because you share in the costs of your day to day as well as surgical costs. RegularCare Budget goes a step further by offering a $100 excess to reduce premiums. If you take the excess option, we deduct $100 from each claim form you submit.

You may also be able to further lower your premiums through our:

• healthy lifestyle reward -if you have a healthy lifestyle (and aren’t part of a subsidised work scheme) 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 do you get this plan?

RegularCare and RegularCare Budget are available directly from Southern Cross, or they may be available through your employer work scheme.

More information?

View the RegularCare benefit summary ►

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 RegularCare policy document  ► Otherwise, please call us on 0800 100 777.

If you're an existing Southern Cross member, you can call us on 0800 800 181.