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


First Cover 1

First Cover 2

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

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

Specialist consultations

within 6 months before or after surgery

Out-of-hospital tests including cardiac tests

within 6 months before or after surgery

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

Non-surgical treatment

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.

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.

Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Limited. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default), R (Regulatory Action), NR (Not Rated). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.