Of the abdomen - the area at the front of the body between the chest and the pubic bone. 


The Accident Compensation Corporation referred to in the Injury Prevention, Rehabilitation and Compensation Insurance Act 2001 (or its successor).


An accident as defined in the Injury Prevention, Rehabilitation and Compensation Insurance Act 2001 (or its successor), which includes a specific event, or a series of events, that involves the application of a force (including gravity) or resistance external to the human body, or involves the sudden movement of the body to avoid such a force or resistance external to the human body, and is not a gradual process.


A skin condition in which pustules develop as a result of changes in normal skin secretions, particularly occurring during hormonal changes.

Acute care

Care provided in response to a sign, symptom, condition or disease that warrants
immediate or same day hospital admission for treatment or monitoring


A person or entity authorised (usually by a contract) to sell Southern Cross health insurance who isn't a Southern Cross staff member. Can be a financial adviser or insurance broker.


A deficiency of haemoglobin in the blood - this is either due to a lack of red blood cells and/or their haemoglobin content. 


Chest pain or discomfort that occurs when the heart muscle does not get enough oxygen.


To do with the arteries - carrying blood from the heart.


Inflammation of the joints

B12 deficiency

Lack of vitamin B12, also called cobalamin.

Billing group number

An internal Southern Cross code for a collection of policies


Inflammation of the bronchi - tubes from the trachea to the lung.


An opacity of the natural lens of the eye.


A person under 21 years of age

Congenital condition

A congenital anomaly or defect which is present at birth (as determined by Southern Cross).

Coronary artery disease

A disease or disorder which narrows or blocks the arteries that supply blood to the heart.

Developmental disorder

A disorder that occurs at some stage in a child's development, often retarding the development. This may include psychological or physical disorders.


Inflammatory skin condition, often accompanied by intense itching.


Endometrial tissue outside the uterus.


A prescribed amount deducted from the reimbursement entitlement of claims submitted. It might be per claim or per member per year. Check the policy document.

Family member

Husband/wife or partner and any child (including stepchildren or adopted children) of the applicant.

Gastric reflux

Flow of stomach contents back up the oesophagus.


To do with glands.


Raised uric acid levels in the body that usually presents with recurrent attacks of acute inflammatory arthritis.


Enlarged veins just under the surface tissue of the rectum or the anus - often a cause of bleeding - also known as "piles".


Occurs when part of an internal organ bulges through a weak area of muscle.

Irritable bowel syndrome

A functional bowel disorder characterized by abdominal pain, discomfort, or bloating and alteration of bowel habits in the absence of any detectable organic cause.


Relating to area of the back between the lower ribs and the sacrum (pelvis). This includes the lumbar spine.


Dealing with disorders of the nervous system.


An overbite is present when the upper teeth significantly protrude over the lower teeth.


The lower part of the abdomen located between the hip bones.

Pelvic floor disorder

Condition where the muscles of the pelvic floor remain tightened. Can result in frequent urination (due to the bladder's inability to expand) or pain.

Policy start date

The date the policy commences as shown on the Membership Certificate.


An abnormal growth of tissue projecting from a mucous membrane

Pre-existing condition

Any health condition occurring or existing, or any health condition which relates to a sign, symptom or event occurring or existing in relation to the applicant and each dependant named in this Application Form, before the policy start date.

Prostate condition

A condition of the prostate gland found just below the bladder and surrounding the top part of the urethra in men.

PSA tests

A blood test for men which measures the concentration of prostate-specific antigen (PSA) molecule in the blood.


A non-specific term for medical problems affecting the joints and connective tissue.


A recurrant condition characterized by facial erythema (redness).

Sacral spine

The part of the spine made up by the sacrum.


Inflammation of the air-filled spaces, communicating with the nasal cavity, within the bones of the skull and face.

Skin lesions

Any lesion on the skin either malignant or benign including but not limited to a cyst, mole, freckle, keratosis, basal cell carcinoma,squamous cell carcinoma and melanoma.


The part of the body between the head and the abdomen.


The large gland found in the neck that produces and stores thyroid hormone.


An infection of the lymphoid tissue on either side of the throat.

Treatment injury

Treatment injury as defined in the Injury Prevention, Rehabilitation and Compensation Insurance Act 2001 (or its successor) and includes personal injury that is suffered by a person seeking treatment from, or at the direction of, a registered health professional, that is caused by the treatment and that is not a necessary part or ordinary consequence of the treatment.


An area of tissue erosion of the skin or lining of the gastrointestinal (GI) tract.

Under bite

An abnormal protrusion (jutting out) of the lower jaw, leading to a malocclusion, where the lower teeth extend past the upper front teeth.

Urinary incontinence

The involuntary excretion of urine.

Varicose veins

Veins that have become enlarged and tortuous.


Related to blood vessels.