Member discounts & offers

We’re committed to making sure you get the most out of your membership with Southern Cross – even if you don’t need to make a claim.

You may qualify for discounts on your premium, as well as receiving exclusive member discounts from other Southern Cross Group businesses. We’ve also got some great offers from our healthcare partners – make sure your email address is up to date in My Southern Cross, so you can hear about our latest offers.


Save on your premiums*

  • Direct debit discount: if you pay by direct debit, you will receive a 2.5% discount off your premium. This isn't available to members who are in a group scheme and this discount does not apply to Cancer Cover Plus. Set up a direct debit now in My Southern Cross or contact us.
    For those eligible for the direct debit discount, this will be applied to your premium first before any other discount you may be eligible for is applied.
  • Healthy lifestyle reward: you may be entitled to a 10% discount for your first two years (from your join date) if you;
    • are an individual member (you joined independently, not in a group scheme) or are in a voluntary work scheme, and
    • are 21 years old or over, and
    • meet a healthy lifestyle criteria.
  • Low claims discount: you may be entitled to a 5% or 10% discount for up to 12 months based on your previous two-year claiming history. If you;
    • are an individual member or are in a voluntary work scheme, and
    • are 21 years old or over, and
    • have had your eligible health insurance for 2 or more years.
      More on the low claims discount.
  • Free child discount: if you have more than two children on your policy under 21 years of age, you’ll only pay for the first two children – any additional children on the policy will be included with no increase to your premium.

*Discounts do not apply to some cover options, please refer to the table below.

Cover options
Direct Debit discount Healthy Lifestyle Reward Low Claims Discount Free Child Discount
Critical Illness Available Not available Not available Available
Cancer Assist
Available Not available Not available Available
 HealthEssentials Available Not available Not available
Not available
 CancerCoverPlus Not available Not available
Not available
Not available
Cover option Discount / reward Availability
Critical Illness Direct debit discount Available
Healthy lifestyle reward Not available
Low claims discount Not available
Free child discount Available
Cover option Discount / reward Availability
Cancer Assist Direct debit discount Available
Healthy lifestyle reward Not available
Low claims discount Not available
Free child discount Available
Cover option Discount / reward Availability
HealthEssentials Direct debit discount Available
Healthy lifestyle reward Not available
Low claims discount Not available
Free child discount Not available
Cover option Discount / reward Availability
CancerCoverPlus Direct debit discount Not available
Healthy lifestyle reward Not available
Low claims discount Not available
Free child discount Not available

Other discounts and offers

Get a 10% discount off your Southern Cross Life Insurance base premium for the duration of your policy (whilst you remain a member).

More about Southern Cross Life Insurance member offer.

Get a 2.5% discount on Southern Cross pet insurance when you tell them you're a Southern Cross Health Society member. 

Learn more here.

As a Southern Cross Member you may be entitled to a discount of up to 5% on a Domestic and/or International Comprehensive Travel Insurance policy with Southern Cross Travel Insurance. Get an online quote or call 0800 800 571 and let them know you’re a Southern Cross Health Insurance member.

Click here for more information, terms and conditions.



Get $50 off glasses single vision lenses. Find out more about Bailey Nelson offer.

Get a complimentary hearing test and save 30% on a selected range of hearing aids. More about bloom member offer.

Get 10% off your home based exercise equipment with Blue Fitness. More about Blue Fitness member offer.

Get 15% off the entire ecostore range online or in the ecostore flagship store. More about ecostore member offer.



Get $40 off a 60 minute nutrition consultation with Feel Fresh Nutrition. More about Feel Fresh Nutrition offer.

Get 10% off a standard 12-month multi-club membership and no joining fee. More about Les Mills member offer.

Get 5% off dental treatments at Lumino. Plus, new patients get a half-price exam and x-rays. More about Lumino member offer.

Get 15% off full priced eyewear, apparel, accessories and footwear with Oakley. More about Oakley member offer.

Free eye test with standard digital retinal scan. You can save 15% on lens and lens extras on prescription glasses or sunglasses and get 10% off contact lenses. More about OPSM member offer.

Get 10% off the entire Pita Pit menu in-store or online. More about Pita Pit member offer.

Get 25% off when you purchase 1 pair from the $169 range or above and a half price Eye Exam. More about Specsavers member offer.

Get 10% off select St John First Aid Courses. More about our St John member offer.

Get 15% off selected sunglasses simply by showing your member card in-store. More about Sunglass Hut member offer.