What sort of plan is this?
VIP plans are modular, which means you begin with a foundation module for in-hospital surgical and medical treatment, and then add other types of cover based on your budget and needs.
What level of reimbursement does it offer?
A VIP plan will reimburse you up to 100% of the eligible costs you incur (subject to reasonable changes) up to policy limits. If you add the VIP 4 module, you can have up to 75% reimbursement for dental and optical charges.
What does this plan include?
- VIP 1 ► the foundation module that everybody begins with, provides cover for the least predictable, high cost conditions that require in-hospital surgical and medical treatment.
- VIP 2 ► provides the same cover as VIP 1 plus consultations with specified specialists and diagnostic tests and imaging.
- VIP 3 ► provides the same cover as VIP 2 plus day-to-day medical services like, doctor visits, prescriptions and physiotherapy.
- VIP 4 ► provides the same cover as VIP 3 plus dental and optical benefits.
How affordable is this plan?
Because a VIP plan can be tailored by adding modules, you can fit it to your budget. You can also opt to have an excess, which means you’ll pay part of your claim cost in return for a reduced premium.
You may also be able to lower your premiums through our low claims reward ► if you don’t claim over the low claims threshold.
How do you get this plan?
VIP plans are only available through selected 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.