Private health insurance in New Zealand is priced on the basis that the public system is also available for any healthcare you may require. If you don't qualify for free public healthcare you are not eligible for Southern Cross health insurance. There are other options, such as travel insurance.
Yes, once you have submitted your application, before closing your browser you can print a copy and save it as a PDF. However we also keep a copy, so if you have any questions about what you answered, we can always supply that.
That is correct. There are more questions to ask you, and more information to give you when it comes to giving you a quote for your work scheme. But when you have this information and are ready to apply you can use this online application process.