Buying health insurance

Take life back with health insurance from Southern Cross. As well as protecting you and your family from unexpected healthcare costs, you’ll have peace of mind knowing that you can get access to treatment when you need it.

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Why get health insurance?

  • It means you can get 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

How the public and private health systems work

Why choose Southern Cross?

  • We're not-for-profit, for better value.
  • We pay more claims than any other health insurer.*
  • We reward you for good health.**
Find out more

Which plan should I choose?

Get a quote

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.


Get a quote & apply > or request a call back to discuss with us.


*We paid 73.75% of all health insurance claims paid in NZ in 2017, HFANZ
**10% Healthy lifestyle joining reward, low claims discount. Being active benefit on some plans