VIP family of plans

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

What sort of plan is this?

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.

What level of reimbursement does it offer?

A VIP plan will reimburse up to 100% of the eligible costs incurred (subject to reasonable charges) up to policy limits. If the VIP 4 module is added, this provides up to 75% reimbursement for dental and optical charges.

What does this plan cover?

  • 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.
  • VIP 2 provides the same cover as VIP 1 plus consultations with specified specialists and diagnostic tests and imaging.
  • VIP 3 provides the same cover as VIP 2 plus day-to-day medical services like doctor visits and prescriptions.
  • VIP 4 provides the same cover as VIP 3 plus dental and optical benefits.

How affordable is this plan?

Because a VIP plan can be tailored by adding modules, your clients can fit it to their budget. They can also opt to have an excess, which means they will pay part of the claim cost in return for a reduced premium. 

Plus module for work schemes

The plus module is only available for work schemes and can be added to either VIP 1 or VIP 2. It provides 80% reimbursement of expenses for up to three eligible GP visits (up to stated policy maximums and subject to reasonable charges) and eligible prescriptions to the value of $100 per insured person per year (subject to reasonable charges).

The information in this article was current at 02 Dec 2011

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.


First Cover

Because your clients pay a portion of their treatment costs, the insurance premium they pay for First Cover is lower. A First Cover plan will reimburse as much as 80% of your clients eligible costs and up to stated policy limits. It covers your clients for the problems that are least predictable and have the highest potential cost. Beginning with a foundation module, your clients can add extra cover to suit their needs.


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.