First Cover plans are shared cover plans. Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. These plans are only available through selected advisers.


First Cover Plan 1 includes cover for cancer care, surgical procedures† and specialist consultations, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment or cancer care.

† Prosthesis maximums apply.


First Cover Plan 2 provides the same cover as First Cover Plan 1 with the advantage of cover for specialist consultations, diagnostic imaging and tests at any time.


More information?

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