1. Definitions
1.1 In these terms and conditions:
‘Adult Member(s)’ means a Member paying an Adult Premium Rate.
‘Adult Premium Rate’ means the premium or subscription rate for members 21 years of age and over at their policy anniversary date or from time to time.
‘Calculation Period’ means the continuous period of two years membership as close as reasonably practicable (in accordance with Southern Cross Health Society business practice from time to time) prior to the calculation of premiums at the time of Policy Renewal.
‘Dependant’ means a Member who is noted on the Policyholder’s policy or membership as a dependant of the Policyholder in accordance with the Society’s Rules .
‘Eligible Member(s)’ means a Member on an Eligible Plan, paying Adult Premium Rates, who isn’t part of a subsidised group scheme, has at least two years continuous membership and claims history with Southern Cross Health Society coinciding with the Calculation Period, and who has the calculation for the low claims reward applied to their annual premium (except that from time to time group schemes can be otherwise included or excluded from the low claims reward scheme at our sole discretion).
‘Eligible Plan’ means a policy or plan to which the low claims reward scheme applies from time to time.
‘Member’ means a person who is an active current Member of Southern Cross Health Society in any capacity, including as a Policyholder or Eligible Dependant as defined by the Society’s Rules, and on an Eligible Plan.
‘Policy Renewal’ means annual renewal of a policy or any other relevant policy amendment notice from time to time. For example, a change in circumstances including a change in plan type or leaving/joining a group scheme.
‘Policyholder’ means the principal Member who is noted on a Southern Cross Health Society membership certificate as the policyholder, to whom all official correspondence and invoices related to that membership will be sent.
‘Society’s Rules’ means the Rules of the Southern Cross Medical Care Society, as amended from time to time.
‘Southern Cross Health Society’ means the Southern Cross Medical Care Society, the operator of the low claims reward scheme.
‘Suspension’ means when a Member has been granted Southern Cross Health Society membership suspension for a fixed period of time not exceeding twelve months.
‘Thresholds’ means the aggregate amount of claims refunds including GST an Eligible Member can receive in the Calculation Period before they no longer qualify for the low claims reward (as varied from time to time).
1.2 Terms defined in the Society’s Rules, unless the contrary appears, similarly defined for these terms and conditions.