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Payment options

There are two payment options available:
Direct debit
Recurring credit card
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Direct debit

Most members find direct debit the most convenient payment option. Advantages of direct debit include:

premiums are paid automatically every week, fortnight or month
once your direct debit is set up, you don't need to do anything else to pay your premium
if you are an individually billed member (not in an employer scheme) paying by direct debit you will also receive a discount of 2.5% off your premium.

If the amount of your direct debit changes, we will always notify you before the transaction happens.

How to set up direct debit payments

If you are a new member you have three ways to set up your direct debit authority:

online, when you apply for health insurance
over the phone, when you apply for health insurance
by downloading a direct debit authority, completing and signing it, then sending it to Southern Cross.

If you are an existing member or want to pay for Critical Illness insurance by direct debit you will need to send in a completed and signed direct debit authority. Download a direct debit authority here.
Complete and sign the form, and return it to Southern Cross

Note: It’s important to be aware of your regular payments. If you miss three months in a row, your direct debit will be cancelled and your policy will be put on hold.

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Recurring credit card payments

A recurring credit card payment is a regular payment made using your credit card. We accept Visa, MasterCard and American Express.

If you are a new member you have three ways to set up your recurring credit card authority:

online, when you apply for health insurance
over the phone, when you apply for health insurance
by downloading a recurring credit card authority, completing and signing it, then sending it to Southern Cross.

If you are an existing member or you want to pay for Critical Illness insurance using your credit card, you will need to send in a completed and signed recurring credit card authority.
Download a recurring credit card authority.
Complete and sign the form, and return it to Southern Cross.

Note: If your payment fails for any reason, we will let you know that the payment was missed. If you miss three months in a row, your recurring credit card payment will be cancelled and your policy will be put on hold.