RegularCare is a shared cover plan that is only available to members in some corporate groups. You will need to contact Southern Cross or your adviser to check if your employer offers this plan.

The plan provides a contribution towards cancer care, surgical treatment, consultations, diagnostic imaging, tests, recovery and day-to-day healthcare. Shared cover means you and Southern Cross each pay some of the costs of the healthcare you receive. 

To help reduce your premiums, you can add RegularCare Budget where a $100 excess is deducted from the refund of the total of all claims submitted at one time.

Product summary

You will be reimbursed for 80% of expenses (unless otherwise stated) for eligible healthcare services, up to the policy limits.


A few details to help you compare plans

Cancer care


Surgical procedures

$100,000 per operation

Cardiac surgery

$100,000 per operation



Diagnostic imaging and tests






Non-surgical treatment


Overseas treatment allowance

No cover

Day-to-day healthcare


Vision and dental healthcare

No cover

Obstetrics allowance

After 1 year

Qualifying pre-existing conditions

After 3 years

† Prosthesis maximums apply.
* Must be performed within 6 months after related eligible surgical treatment or cancer care to be covered.

Compare plans

To see more benefit details and compare with our other plans, please refer to the corporate comparison chart.

Plan documents and more information

For full details on the terms and conditions (including exclusions), please refer to the policy document, the RegularCare benefits summary or contact us.