Our plans
Things to consider when choosing your plan
• Do you only want cover for major medical expenses, such as surgery and related costs?
• Do you want cover for surgery, specialist visits, diagnostic tests and imaging?
• Do you want extensive cover for surgery, specialist visits, diagnostic tests, imaging and day-to-day healthcare (eg doctors visits and prescriptions)?
Some plans are modular, which means you can pick and choose from various options to build a plan that fits your needs and budget.
Plan choices
Major medical cover
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Extensive cover
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Wellbeing One
Cover for surgery and related expenses (6 months before or after surgery)
Find out more ►
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Wellbeing Two
Cover for surgery,consultations,
imaging and tests and optional day-to-day healthcare
Find out more ►
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UltraCare
Extensive cover for surgery,
consultations, imaging and tests and day-to-day healthcare
Find out more ►
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Shared cover
Lower premiums, but you pay a higher contribution towards your healthcare costs
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KiwiCare
Shared cover for some of the costs of surgery, consultations
and diagnostic tests
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RegularCare
Shared cover for some of the costs of surgery, consultations,
diagnostic tests, and
day-to-day healthcare
Find out more ►
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SuperCare
A higher level of shared cover for some of the costs of surgical treatment and day-to-day healthcare
Find out more ►
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More plans are offered through work schemes. Find out more ►
We have two plans available through our advisers, VIP and FirstCover plans.
Trim costs by:
• choosing an ‘excess’ option, which means you’ll pay a fixed amount per claim or per claims year
• choosing a ‘shared cover’ plan, so you pay for some of your treatment costs yourself
• checking if your employer has a Southern Cross work scheme ►
Critical Illness plan
Critical Illness is complementary to health insurance. Our Critical Illness plan pays a one-off lump sum to give you a financial boost if you are diagnosed with a qualifying critical illness event (such as cancer or stroke).
Find out more ►
Get a free online quote ►
Apply online ►
You’re welcome to talk to a consultant for advice on the best plan for you.
Call 0800 100 777, Monday to Friday 8.00am – 5.30pm
Or send us a message here ►