A great range of plans to cover what's important...
Our health insurance plans reflect the various stages, budgets and cover required to keep Kiwis covered, whether it be for major surgical, day-to-day healthcare or just peace of mind.
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HealthEssentials
A day-to-day health plan that covers 75% of your costs for GP consultations, dentist visits, optometrist, glasses and contact lenses, physiotherapist, dietitian/nutritionist, chiropractor, osteopath, registered massage therapist and acupuncturist, up to the policy limits.
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Wellbeing Starter
An entry-level plan that includes cover for cancer care, some surgical procedures† and consultations1, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment or cancer care. You’ll also be able to claim for GP and physiotherapy visits.
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Wellbeing One
A broad surgical and healthcare plan that includes cover for cancer care, unlimited surgical procedures† and consultations1, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment or cancer care.
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Wellbeing Two
A comprehensive surgical and healthcare plan that includes cover for cancer care, unlimited surgical procedures†, consultations, diagnostic imaging and tests at any time.
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UltraCare
A premium surgical, healthcare and day-to-day plan that includes cover for cancer care, unlimited surgical procedures along with consultations, diagnostic imaging and tests at any time. Plus qualifying pre-existing conditions covered (after 3 years) and an obstetrics allowance (after 12 months).
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We have two shared cover plans, KiwiCare and RegularCare, which you can discuss and apply for by calling us on 0800 100 777 (Monday to Friday, 8am to 6pm).
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KiwiCare
This plan provides a contribution towards cancer care, surgical procedures, consultations2, diagnostic imaging, tests and some recovery. Shared cover means you and Southern Cross each pay some of the costs of the healthcare you receive. You can discuss and apply for this plan by calling us on 0800 100 777.
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RegularCare
This plan provides a contribution towards cancer care, surgical procedures†, consultations2, diagnostic imaging, tests, recovery and day-to-day healthcare. Shared cover means you and Southern Cross each pay some of the costs of the healthcare you receive. You can discuss and apply for this plan by calling us on 0800 100 700
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† Prosthesis maximums apply.
1 Limited to 5 visits per claims year up to $5,000 per claims year (in total). 5 visit limit and 6 month rule does not apply to oncologist consultations. Excludes psychiatrist and all skin lesion consultations.
2 Limited to 5 visits per claims year up to $4,000 per claims year (in total). 5 visit limit does not apply to oncologist consultations. Excludes psychiatrist and all skin lesion consultations.
We also offer:
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Life Insurance
Protect the lifestyle and future of your family and those you love with Southern Cross Life Insurance. A 10% discount is available for Southern Cross Health Society members.
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Pet Insurance
Make sure if the unexpected happens you can afford the care your four-legged family member deserves. Insure the health of your pet with Southern Cross Pet Insurance.
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Cancer Assist
Get a one-off payment, over and above your health insurance, if you are diagnosed with a qualifying cancer. Cover options up to $300k.
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Critical Illness
Add Critical Illness to your health insurance to get the financial boost you need if you are diagnosed with a qualifying critical illness event (such as cancer or stroke).
Find out more
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Our health insurance plans come with some great benefits*
2.5% direct
debit discount*
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Child rates until
21 years of age*
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Pre-existing conditions
cover for newborns*
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10% healthy lifestyle
joining reward**
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Pay for 2 children,
the rest are free**
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10% low claims
discount**
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Member discounts and offers at these partners*
Find out more about our partner offers and member discounts.
Compare all plans & get a quote >
...or request a call back.
* Terms and conditions apply, not all benefits are available on all plans. See plan details and policy documents.
** Not available on the HealthEssentials plan. One rate for children aged 0 to 21. Subject to standard annual premium.
