Health and medical insurance | Southern Cross NZ

More Kiwis are with us because we’re with them

We are proud to be NZ’s most trusted health insurance provider*. At Southern Cross we’ve got your whole family covered, whatever your needs.

Surgery and specialists

Cancer care

Diagnostic imaging and tests

Day-to-day healthcare

Critical illness

Your health is worth protecting

Health insurance provides peace of mind that you and your family can have faster access to medical treatment, when you need it most. Find the right cover for you.

Compare our plans

Join NZ’s most trusted health insurer*

As a not-for-profit health insurer, we put your health and wellbeing first. Here’s why more than 870,000 Kiwis choose to be with Southern Cross Health Society.

NZ owned and Not-for-profit
Special rewards and discounts
Fast access to treatment
Great partner offers
Fast, simple claiming
Manage your policy online – anywhere, anytime

Get an easy quote

*Reader’s Digest Most Trusted Brands 2017-2020.

Stevie’s story

Southern Cross health insurance was there to help Stevie with unexpected health issues, and now helps her keep healthy and living life to the fullest.

Steve's story

Your policy, your way

The ‘My Southern Cross’ app is your pocket-sized healthcare partner. Check benefit balances, request prior approval and make instant claims whenever, wherever.

*Only registered policyholders can make claims or request prior approvals.

Last year we paid $972 million¹ towards healthcare for our members.

1. Southern Cross Health Society claims data, year ended June 2020.

85c of every dollar received in premiums was paid out in claims.

1. Southern Cross Health Society claims data, year ended June 2020.

72% of all NZ health insurance claims were paid by Southern Cross^*.

* Health Funds Association of NZ data, May 2020.

Your wellbeing matters

Your go-to wellness hub provides helpful advice to support your wellbeing at home and at work.

The importance of sleep

How to stress less and live more

Health maintenance - when to see the professionals

Now the GP comes to you, with an online health service. Introducing CareHQ.

More Kiwis are with us because we’re with them

Your health is worth protecting

Join NZ’s most trusted health insurer*

Stevie’s story

Your policy, your way

Your wellbeing matters

Need a hand?

Find quick answers

Have a general enquiry?

JOIN NOW 0800 100 777