VIP

VIP plans are only available to members in some corporate groups. You will need to contact your adviser to check your eligibility for these plans.

Benefits:

VIP 1

VIP 2

VIP 3

VIP 4

Surgical treatment, with unlimited cover (subject to prosthesis maximums), plus cover for recovery and support
First (2)
First (2)
First (2)
First (2)
Cancer care including chemotherapy, radiotherapy, oncologist consultations and hospice care
First (2)
First (2)
First (2)
First (2)
Specialist consultations
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within 6 months before or after surgery
First (2)
First (2)

First (2)
Diagnostics (imaging and tests) including x-rays, ultrasounds, mammography, MRI, CAT and PET scans
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within 6 months before or after surgery
First (2)
First (2)
First (2)

Non-surgical treatment

First (2)
First (2)
First (2)
First (2)

Day-to-day healthcare including prescriptions, doctor visits and physiotherapy



First (2)
First (2)

Dental and optical treatment




First (2)

 

With VIP plans, there is no cover for pre-existing conditions.

How affordable are these plans?

Because VIP plans offer 4 levels of cover, you can choose one that fits 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.

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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 these plans?

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 are entitled to 75% reimbursement for dental and optical charges.

More information?

For full details on the terms and conditions (including exclusions), please refer to the Terms and Conditions or contact us.

VIP Plan 1 schedule of benefits, VIP Plan 2 schedule of benefits, VIP Plan 3 schedule of benefits, VIP Plan 4 schedule of benefits.