Who we are

Our not-for-profit focus, size, and experience, as well as our range of products and services, means Southern Cross plays a unique and important role in the New Zealand’s health and wellness sector.

Southern Cross opened for business in 1961, introducing health insurance to New Zealanders and laying the foundations for one of New Zealand’s most enduring, best known, and trusted brands. Southern Cross was established because its founders believed New Zealanders should have on-going access to private healthcare options.

Over the years, we’ve expanded our community of care and now help more New Zealanders than ever to look after their health and wellbeing and that of their families and pets.

Today, Southern Cross group represents a diverse range of health and insurance brands.

The Southern Cross businesses

Better together

Strategic Leadership is provided by the Chief Executive team.

As a group of legally independent health and insurance-related businesses that share a common brand, our focus is on the health and wellbeing of New Zealanders.

Southern Cross Healthcare reinvests in hospital facilities and new technology. Southern Cross Health Society uses it to help stabilise health insurance premiums and add extra benefits for our Society members, while Southern Cross Health Trust supports New Zealanders in need.

Six decades after we started, we remain committed to providing New Zealand households with the protection and care they need to live their lives with confidence.

Our community impact section highlights all the good we do to contribute to the communities we are a part of.


Southern Cross is made up of various legal entities, united by a common brand, a not-for-profit philosophy and the goal of achieving better value healthcare for New Zealanders.

Southern Cross Medical Care Society

The Southern Cross Medical Care Society is a not-for-profit Friendly Society constituted under the Friendly Societies and Credit Unions Act 1982. Its core business is providing health insurance for its 900,000 members. And, via subsidiary companies, it also provides wellness services, life insurance, travel insurance and pet insurance to New Zealanders.

The Society is governed by a Board of Directors who are elected by the members at the annual general meeting held in Auckland, Wellington or Christchurch. Members can take part in the annual general meeting process by raising items of business, nominating Director candidates and voting online.


Society Rules (692kb PDF)

Society AGMs

Society Annual Reports

Southern Cross Health Trust

The Southern Cross Health Trust is a Charitable Trust registered as a charitable entity under the Charities Act 2005. The Trust has a vision to make quality healthcare more affordable and accessible for a greater number of New Zealanders.

The Trust has a subsidiary company – Southern Cross Healthcare Limited (which operates the hospital network and invests in other healthcare businesses)

The Trust is governed by a Board of Trustees appointed by the Board. Trustees also serve as Directors on the subsidiary company Boards.


Trust Deed (90kb PDF) 

Trust Annual Reports

Other governance information

Board member profiles