Southern Cross offers a wide range of health cover to suit different needs and budgets

Whether you’re looking for cover for major medical expenses and specialist consultations, or day-to-day health costs, we have a range of plans with different benefits.

Use our plan comparison tool to compare the different benefits available on plans and see the pricing options for the different levels of cover you select.

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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.

 

 

HealthEssentials

HealthEssentials is a day-to-day health cover plan to help you actively manage your health. You can claim up to $1,250 in value every year from just $1 per day. 

The plan provides cover for 75% of your costs up to the policy limits for regular healthcare expenses such as the GP, dentist or optometrist.

HealthEssentials can be held on its own or added on to any other health insurance plan.

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Wellbeing Starter

Wellbeing Starter is an entry-level plan to cover those big concerns like cancer and cardiac surgery. 

The plan includes cover for cancer care, some surgical treatment and specialist consultations, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy. You’ll also be able to claim for GP and physiotherapy visits. 

This plan does not cover healthcare services for gynaecology, urology and orthopaedics (restricted specialties) unless directly required for the treatment of cancer.

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Wellbeing One

Wellbeing One is a broad surgical plan for peace of mind. 

The plan includes cover for cancer care, surgical treatment and specialist consultations, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy.

To help reduce your premiums, you can add a $500, $1,000, $2,000 or $4,000 excess to your plan.

You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options1 (Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.

You can tailor your cover by adding modules that include cover for day-to-day healthcare services, vision and dental or a range of natural healthcare services. 



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Wellbeing Two

Wellbeing Two is a comprehensive surgical plan.

The plan includes cover for cancer care and surgical treatment, with the advantage of cover for specialist consultations, diagnostic imaging and tests at any time. 

For those planning a new addition to the family, this plan includes an obstetrics allowance (after 1 year). 

To help reduce your premiums, you can add a $500, $1,000, $2,000 or $4,000 excess to your plan.

You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options1 (Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.

You can tailor your cover by adding modules that include cover for day-to-day healthcare services, vision and dental or a range of natural healthcare services.

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UltraCare

UltraCare is a premium surgical, healthcare and day-to-day plan for those who want the highest level of cover. 

The plan includes cover for cancer care, surgical treatment, along with specialist consultations, diagnostic imaging and tests and day-to-day treatment at any time. Plus, you can choose your own specialist and your qualifying pre-existing conditions will be covered after 3 years of continuous cover (except under Cancer Cover Plus). 

For those planning a new addition to the family, this plan includes an obstetrics allowance (after 1 year of continuous cover).

You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options1 (Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.

There is also cover available for day-to-day healthcare, including GP, nurse and chiropractor consultations, prescriptions and hearing tests up to the policy limits. You can choose to upgrade your plan to UltraCare 400 which offers additional vision and dental cover.

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KiwiCare

KiwiCare is a shared cover plan. Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. 

The plan provides a contribution towards cancer care, surgical treatment, specialist consultations, diagnostic imaging, tests and some recovery and support.

To help reduce your premiums, you can add a $500 excess to your plan (KiwiCare Budget).

You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options1(Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.

Find out more




RegularCare

RegularCare is a shared cover plan. Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. 

The plan provides a contribution towards cancer care, surgical treatment, specialist consultations, diagnostic imaging, tests, recovery, support and day-to-day treatment.

To help reduce your premiums, you can add a $500 excess to your plan (RegularCare Budget).

You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options1 (Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.

Find out more

 




† Prosthesis maximums apply.
1 Cancer Cover Plus upgrades are fully underwritten, regardless of any pre-existing condition concession. They cannot be purchased if you or any dependant on the policy is 60 years or older.