Low claims reward

Your reward for good health

The low claims reward is a 10% discount for members who have claimed below a specific claims threshold for two years. The reward applies for up to 12 months.

Eligibility for the low claims reward

Members paying adult premium rates and with at least two years continuous Southern Cross membership are eligible.

It does not apply to:

  • Members who are part of a subsidised work scheme.    
  • The Critical Illness plan.
  • Members under 21 years old.  

How the low claims reward works 

Claims thresholds are set each year for different age groups and plan types.

If a member has claimed below the relevant claims threshold for two consecutive years, a 10% discount is applied to the member’s premium at their policy renewal. 

If a member changes plan, the threshold which applies will be for the plan the member has been on for the majority of the two year calculation period.

We will advise members of the thresholds at policy renewal time.

Qualification for the low claims reward is based on claims refunds processed by us during the two year calculation period, rather than treatment dates or the dates claims are lodged.

Terms and conditions

Detailed information about the rules and conditions for the low claims reward.