A woman standing on the beach
A woman standing on the beach

Get health insurance you can trust

Join Southern Cross Health Society

Southern Cross Health Insurance is different. Being a not-for-profit society means our top priority is providing great value, high-quality medical cover for our members.

Become a member today, and you and your family will get faster access to medical treatment, plus a range of exclusive Southern Cross member benefits.

Member benefits

As a member, you get so much more than just health insurance. Southern Cross offers a range of benefits for members, from Southern Cross Group discounts and offers to free wellbeing sessions and online doctor consultations.

  • Faster access to treatment by avoiding public hospital waiting lists
  • Fast, simple online claiming or Easy-Claim at participating healthcare providers
  • Enjoy exclusive member discounts and offers from other Southern Cross Group businesses
  • Take advantage of our network of affiliated healthcare providers in your local area
  • Online GP consultations, wellbeing sessions and health checks
  • Save on everyday health and wellbeing services like eye tests, dental treatments and gym memberships


*Only registered policyholders can make claims for treatment.

Why Southern Cross Health Insurance?

More New Zealanders choose us; here’s why:

  • We pay more claims than any other NZ health insurer.*
  • You can save with discounts for healthy living, low claims, and paying by direct debit.**
  • We’re New Zealand's most trusted health insurer.***
  • Providing award-winning service as voted by you****

*We pay 72% of the value of all health insurance claims paid in New Zealand. Based on data provided by The Financial Services Council.
**Discounts do not apply to some cover options, please refer to Member Discount and Offers for more details.
***Reader's Digest Most Trusted Health Insurance Brand, 2017 - 2024
****Reader's Digest Quality Service Award winner 2024

Southern Cross plans to suit your needs

Explore our range of plans

Whatever your needs and budget, it’s easy to find a plan to suit you and then get a free quote.

Looking for workplace health insurance?

Many NZ employers have health insurance work schemes, so find out if your employer offers Southern Cross health insurance.

Protecting your family’s health

You want to look after your loved ones, and so do we. Find out about our family plans.

Many members, many health stories

See the true value of our health insurance for yourself

Asoiva McKavanagh

Asoiva was a picture of health. But when she noticed blood in her stools, she had a feeling something wasn’t right.

Asoiva’s story

Natalie Stocker

Dylan just wanted to be able to lift his child. Southern Cross Health Society helped him on his recovery.

Dylan’s story

Asoiva McKavanagh

Lightening never strikes twice, except for Carole, who beat breast cancer and then bowel cancer.

Carole’s story

Take the next step

Interested in Southern Cross health insurance? Here are three ways to take the next step.