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 you check this page for the latest deals.

Save on your health insurance premiums

  • Healthy lifestyle reward: receive a 10% discount for up to two years from joining. Available for individual members or those in a voluntary work scheme who lead a healthy lifestyle. 
  • Low claims reward: receive a 10% discount for up to 12 months. Available for members who have claimed below a specific claims threshold for two years. Find out more.  
  • Direct debit discount: Pay by direct debit and receive a 2.5% discount off your premium. Available to individually billed members who aren't in an employer scheme. Set up a direct debit.
  • 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 are free! (Not applicable for HealthEssentials or Critical Illness policies.)

    Discounts and offers


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


    Take out a TravelCare policy and receive a special member rate and, if you buy online you’ll get an extra 35% off your premium. Find out more.


    Get a 2.5% discount on pet insurance. Find out more.


    Free eye test and digital retinal scan. You can save 15% on lens and lens extras on prescription glasses or sunglasses and get 10% off contact lenses. Find out more.  


    Get 5% off dental treatments at Lumino. Plus, new patients get a half-price exam and x-rays. Find out more

    Get 25% off when you purchase 1 pair from the $169 range or above and a half price Eye Exam. Find out more
    Get a complimentary diagnostic hearing test valued at $85 and save 10% on a selected range of hearing aids. Find out more

    Terms, conditions, exclusions and availability periods apply to all offers. Please see individual offer pages for full details.