Exclusion for administrative charges.
Administrative charges are not covered by your policy. A specific exclusion will be added to clarify this.
Exclusion for transfusion or injection of autologous blood or blood products.
The exclusion for transfusion or injection of autologous blood or blood products does not apply when used as part of eligible chemotherapy treatment.
Pre-existing conditions exclusion.
The exclusion for pre-existing conditions does not apply to healthcare services covered under the Day-to-day treatment benefit.
Underwriting requirements for adult dependants taking out their own policy.
Adult dependants who apply for their own Southern Cross health insurance policy within 1 month of being removed from an existing policy do not need to complete a new health insurance medical declaration if they’re applying for similar or a lower level of cover.
Impact of policy changes on claims year.
Any changes you make to your policy may reset your claims year.
Impact of changes to payment method or frequency on the policy anniversary date.
Changing the payment method or payment frequency may, but will not always, change your policy anniversary date. We advise you to check the policy anniversary date on your new membership certificate if you make any changes.
Disclosing pre-existing conditions.
If you haven’t disclosed a pre-existing condition on the application form or relevant health insurance medical declaration, we may decline any cover for healthcare services relating to the pre-existing condition.
Clarification of the term 'Medsafe-Indicated'.
Clarification of the term ‘Medsafe-indicated’ when used in the IV infusion (non-cancer) benefit.
Cover for work-related gradual process injuries.
References to work-related gradual process injuries will be included in the Accident and treatment injury top-up benefit.
Terminology under the Accident and treatment injury top-up benefit.
The reference to ‘annual limits’ will be changed to ‘policy limits’ to reflect that different types of limits may apply, for example limits per operation, procedure, item, day, lifetime or annual limits.
Your responsibility under the Accident and treatment injury top-up benefit.
The existing requirement to do everything you reasonably can to obtain ACC approval for payment of the cost of any healthcare services which may be covered by ACC, includes signing all necessary documents.
Update to the procedure names under Diagnostic imaging and Diagnostic tests benefits.
The names of certain diagnostic imaging and diagnostic tests will be updated to the names they are more commonly known by and abbreviations will be added where appropriate.
Update to the definition of eligibility criteria in the Glossary of terms.
The reference to ‘procedure’ will be replaced with ‘healthcare services’ as ‘procedure’ was not sufficiently inclusive.
