First Cover

First Cover is a shared cover set of plans that are only available to members in some corporate groups. You will need to contact your adviser to check if your employer offers these plans.

Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive.

Benefits:

First Cover 1

First Cover 2

Surgical treatment, with unlimited cover (subject to prosthesis maximums), plus cover for recovery and support

First (1) First (1)

Cancer care including chemotherapy, radiotherapy, oncologist consultations and hospice care

First (1) First (1)

Specialist consultations

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within 6 months before or after surgery

First (1)

Out-of-hospital tests including cardiac tests

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within 6 months before or after surgery

First (1)

Imaging including x-rays, ultrasounds, mammography, MRI, CAT and PET scans

First (1) First (1)

Non-surgical treatment excluding geriatric care

First (1) First (1)

With First Cover, there is no cover for pre-existing conditions.

How affordable is this plan?

Because you pay a portion of your treatment costs, the insurance premium you pay for First Cover is lower.

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You may be able to lower your premiums (if you aren't part of a subsidised work scheme) through our:

  • 10% healthy lifestyle reward - if you meet our simple healthy lifestyle criteria 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 does the reimbursement work for this plan?

A First Cover plan will reimburse 80% of the eligible costs you incur (unless otherwise stated and subject to reasonable charges) up to stated policy maximums.

More information?

For full details on the terms and conditions (including exclusions), please refer to the First Cover 1 schedule of benefits, First Cover 2 schedule of benefits or contact us.