Southern Cross looks after more New Zealanders than any other health insurance provider, and that’s why we’re passionate about embracing diversity and inclusivity.
Being understanding, fair, and accessible to each and every member is something we strive for each day. So when you join Southern Cross, you can feel comfortable about telling us who you are – and how best we can help you.
When you join Southern Cross, we ask for your age and biological sex to determine the premium on your health insurance policy. But we understand that the way you identify may be different.
We want to talk to you in the way you prefer. That’s why you can choose from various title options, including ‘Mx’ if you don’t want a gender used in correspondence. If you’d like us to update the gender details we have on record, including if you’ve had intersex or gender affirmation surgery, you can do so by contacting us.
Southern Cross is a proud Pride Pledge Gold Partner and is working towards full Pride Pledge Certification, building on many years of Rainbow Tick accreditation.
We’re committed to creating an inclusive environment for LGBTTQIA+ people and we know this is ongoing work.
We’ve recently completed the Pride Pledge Rainbow Inclusion Stocktake to identify where we can keep improving, with our employee-led rainbow network playing a key role in shaping policy and process changes across the organisation.
Because the cover under our health insurance policies applies to your total anatomy.
No, you are covered based on your biological body. For example, for an intersex member, our health insurance cover applies to both ‘male’ and ‘female’ organs.
If you have undergone surgical gender affirmation, which legally entitles you to be recognised as another biological sex, you can request your biological sex to be amended on an existing insurance policy.
Because you’re covered based on your biological body, if you’ve undergone surgical gender affirmation and your biological sex is amended on your health insurance policy, your premium rates could change. This applies primarily to Cancer Assist and Critical Illness policies. And the new rates will apply from the date the policy is amended.
Please note that gender affirmation surgery and directly related healthcare services are not covered under our health insurance policies.
Yes. At any time, you have the option to advise us or update the gender you identify with. We understand that your biological sex may be different to your gender identity.
Yes, at any time you have the option to update the gender you identify with.
Yes, you can choose from various title options, or you can select to not use a title.
Yes, we can do this for you.
Yes. It will change premium rates on our Cancer Assist and Critical Illness policies, and the new rates would apply from the date of policy amendment.
Yes, the change will be made on all your Southern Cross health insurance policies.
With a male or female classification, please select the legally identified sex. With an X classification, please answer the questions that are applicable to your personal circumstances.
Southern Cross regularly reviews the services we offer and make decisions to include or exclude cover for different services based on the needs of the collective membership, and then we base the premium on covering only the services which are included.
We currently exclude gender affirmation surgery for a range of reasons based on our previous reviews which include, but are not limited to, the cost and availability of this type of surgery within New Zealand. However, we can cover associated costs for consultations and Pharmac subsidised drugs/hormone therapy, providing your policy type has the applicable benefits.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) is a licensed insurer and a licensed financial advice provider. For more information about the financial advice service we provide and a copy of our public disclosure statement please visit southerncross.co.nz/disclosure-statement.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by S&P Global Ratings Australia Pty Ltd. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at S&P Global Ratings. S&P Global Ratings Australia Pty Ltd is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.