We're with you when you need it most
What would happen if you or someone in your family got sick or needed an operation? Your health is worth protecting. Having health insurance gives you help with healthcare costs and faster access to medical treatment when you need it.
With health insurance you’ll have:
- faster access to treatment by avoiding public hospital waiting lists
- less financial stress by reducing your costs of private treatment and time off work
- more choice of when you receive treatment for qualifying conditions.
And a quicker return to health so you can get on with enjoying life.
More Kiwis choose Southern Cross, here’s why
- We're not-for-profit, so your health comes first.
- We pay more claims than any other NZ health insurer.*
- You can save with discounts for healthy living, low claims, and paying by direct debit.**
- We are New Zealand's most trusted health insurer.***
Choose a plan for your needs and budget
Whether you’re looking for cover for major medical expenses and specialist consultations, or day-to-day health costs, there’s a plan for you.
- Easily select a plan and get a free quote with our plan finder.
- Or review all of our plans.
- Ready to get cover? Join now.
Many NZ employers offer health insurance work schemes.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.
*We paid 73.75% of all health insurance claims paid in NZ in 2017, HFANZ
**Discounts are not applicable Cancer Cover Plus, HealthEssential, Cancer Assist and Critical Illness
***Reader's Digest Most Trusted Brands for Health Insurance, 2017 - 2020.