This is a high-level summary to help you understand the key changes to the Westpac First Cover plan that take effect on 1 April 2026. Please read it carefully so you understand the changes that are being made to your policy.

Your health insurance policy is made up of a number of documents, including your membership certificate, the policy document and the following documents which are updated from time to time: eligibility criteria, the list of unapproved healthcare services, the list of Affiliated Provider-only healthcare services, the list of prostheses and specialised equipment and the list of policy variations. Together, all these documents outline your cover. Terms, conditions and exclusions apply.

You should check your membership certificate to see if you have cover for pre-existing conditions under any previous Southern Cross plans and select those plans to view changes that might affect your cover. To find your membership certificate, visit MySouthernCross, our online member portal or contact us for a copy.

Important documents and links