First Cover

By: Southern Cross Adviser  06-Dec-2011
Keywords: Medical Treatment

What sort of plan is this?

First Cover is a shared cost modular plan. Beginning with a foundation module, your clients can add extra cover to suit their needs.

What level of reimbursement does it offer?

A First Cover plan will reimburse as much as 80% of your clients eligible costs (subject to reasonable charges) and up to stated policy limits. 

What benefits does this plan include?

Surgery and medical treatment in hospital is the foundation module (First Cover 1). It covers your clients for the problems that are least predictable and have the highest potential cost.

They then have the option to add First Cover 2, which provides cover for visits to specialists and diagnostic tests.

How affordable is this plan?

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

More information?

Full details – including benefits, limitations and exclusions – are included in the First Cover schedule of benefits, along with additional information such as how to make a claim, applying for prior approval and using Affiliated Providers.

Keywords: Medical Treatment

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Which plan is the best choice for your clients

From straightforward in-hospital surgical and medical cover through to a comprehensive plan that covers dental and optics. There’s scope for tailoring so that you can always find your clients a happy balance between cost and cover. Our range of plans have been designed with everybody in mind.


VIP family of plans

VIP plans are modular, which means your clients begin with a foundation module for in-hospital surgical and medical treatment, and then add other types of cover based on their budget and needs. VIP 1, the foundation module that everybody begins with, provides cover for the least predictable, high cost conditions that require in-hospital surgical and medical treatment.


Critical Illness plan

Critical Illness is offered to members as an affordable add-on to their existing policy, providing for a one-off lump sum payment if members are diagnosed with a qualifying critical illness such as cancer or a stroke. It is not designed as a substitute for health insurance, instead it is designed to meet the wider health and wellbeing needs of members should they experience a critical illness.