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. You can set up a direct debit here. 
    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

Other discounts and offers


Southern Cross Life Insurance logo
Get a 10% discount off your Southern Cross Life Insurance premium for the duration of your policy (whilst you remain a member). More about Southern Cross Life Insurance member offer.
Southern Cross Pet Insurance logo
Get a 2.5% discount on pet insurance. More about Southern Cross Pet Insurance member offer.
Southern Cross Travel Insurance logo
Southern Cross Health Society members who take out a TravelCare policy receive a 5% special member discount. More about Southern Cross Travel Insurance offer.

Bloom hearing specialists logo
Get a complimentary diagnostic hearing test valued at $85 and save 10% on a selected range of hearing aids. More about bloom member offer.
CareHQ logo
Get your 15% member discount on online GP consultations booked with Care HQ through My Southern Cross App. More about CareHQ.
ecostore logo
Get 15% off the entire ecostore range online or in the ecostore flagship store. More about ecostore member offer.
Les Mills logo
Get 10% off a standard 12-month multi-club membership and no joining fee. More about Les Mills member offer
Lumino logo
Get 5% off dental treatments at Lumino. Plus, new patients get a half-price exam and x-rays. More about Lumino member offer
OPSM logo
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. More about OPSM member offer
Pita Pit logo
Get 10% off the entire Pita Pit menu in-store or online. More about Pita Pit member offer.
Snap Fitness logo
Get a $149 gift voucher to cover your joining fee and other Snap Fitness items! More about Snap Fitness member offer.
SpecSavers logo
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.
Sunglass Hut logo
Get 15% off selected sunglasses simply by showing your member card in-store. More about Sunglass Hut member offer.