Family health cover

You want to look after your loved ones, and so do we. That are many reasons you can trust Southern Cross with your family's health.

• Avoid public waiting lists
• Cover for expensive qualifying procedures
• Child rates until 21 years*
• Pay for 2 kids, the rest are free**
• Member offers and discounts
  
  

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As well as all the great benefits of being a Southern Cross member, additional family benefits include:

	Affordable cover for your family Keeping your whole family covered can be less expensive than you think. The premium for a member aged 0-21 years on our most popular plan, Wellbeing Two, is just $9 a week.* *Rounded to the nearest dollar, includes a 2.5% direct debit discount. Terms & conditions apply. Children must be on a policy with a parent.
	Pay for 2 kids, the rest are free** Your third child and following children can get free health insurance when you add them to your policy.**
	Pre-existing conditions cover for newborns Once you've been a member for 3 months and you add your baby before they're 3 months old, we'll cover their qualifying pre-existing medical conditions. Even better, after 1 year of continuous cover you can claim for qualifying obstetrics expenses.* *Available on RegularCare, SuperCare, Wellbeing Two and Ultracare plans. See policy documents here.
	Offers and discounts We've partnered with some of NZ's favourite health providers, so you can benefit from being a Southern Cross member all year round. There are savings and offers from Bloom, OPSM, Specsavers and Lumino. You'll also get discounts for Southern Cross life, pet and travel insurance.

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Cover your family for expensive procedures

Although visits to the GP are free for children under 13, there are many common illnesses that affect kids which can require costly ongoing treatment - or joining a lengthy waiting list on the public health system. Here are some typical costs associated with common childhood conditions.

See a full list of conditions and procedures

By taking out health insurance for your children before they need it, you could take the 'ouch' out of unexpected and expensive qualifying procedures - and avoid having to wait on public waiting lists for appointments and treatments.

^* All costs are indicative and have been sourced from historic Southern Cross claims data 2016-2017

Protect your little ones with Southern Cross.

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* Not available on the HealthEssentials plan. One rate for children aged 0 to 21. Subject to standard annual premium changes 

** Terms and conditions apply, not all benefits are available on all plans