Buying health insurance

It’s important to get health insurance cover to help protect you and your family from unexpected healthcare costs. Buying health insurance also gives you the peace of mind that you can get access to treatment when you need it.

Why get health insurance?

  • It gives you options so you can get treatment for qualifying medical treatment quickly.
  • It helps you avoid public hospital waiting lists.
  • It gives you more choice over when you have treatment.

View costs of common medical procedures

Find out how the public and private health systems work

Why choose Southern Cross?

  • We're not-for-profit, we're for you.
  • We pay more claims.
  • We reward you for good health.
View more reasons

Health insurance plans

Southern Cross through your employer

Find out if your employer offers Southern Cross health insurance.

Moving to New Zealand?

Find out if you are eligible to apply for health insurance.

Payment options

Find out about payment options.


Compare all plans & get a quote > or request a call back to discuss with us.