HealthEssentials

Step up your health

A shared day-to-day health cover plan to help you actively manage your health. Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive.

You can claim up to $1,650 in value each year. This plan covers up to 75% of certain day-to-day healthcare costs (up to the annual limits) for GP and nurse services, prescriptions, dental treatment, optometry, audiology, physiotherapy, and other self-care healthcare services.

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HealthEssentials includes cover for:

75% of the cost of eligible healthcare services up to annual limits.

Benefit

Primary care

- General practitioner and nurse services

- Prescriptions

- Annual health check

$250 each claims year (combined maximum)

Dental care

- Dental consultations and treatment

$500 each claims year after 3 months continuous cover

Eye care

- Optometry consultations

- Prescription glasses and prescription contact lenses

$100 each claims year after 3 months continuous cover

$250 each claims year after 3 months continuous cover

Ear care

- Audiology consultations

- Hearing tests

$300 each claims year (combined maximum)

Self care

- Physiotherapist

- Chiropractor

excludes the cost of medications

- Osteopath

excludes the cost of medications

- Registered massage therapist

- Acupuncturist

- Rongoā Māori practitioner

excludes the cost of food and food substitutes

- Dietitian or nutritionist

excludes the cost of food and food substitutes

$250 each claims year (combined maximum)

Extra benefits included under the plan

Accident and treatment injury top-up

Yes

HealthEssentials covers healthcare services provided by health services providers who meet the relevant registration criteria set out in the HealthEssentials policy document. Policy terms and conditions, including exclusions apply. See the policy documents linked below.

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HealthEssentials cover is available for less than $2 a day

Pricing is approximate and includes a 2.5% discount for paying by direct debit.

Good to know

HealthEssentials can be held on its own or alongside any other Southern Cross health insurance plan.

Additional benefits of membership

You can access membership benefits at no extra cost, no matter which health insurance plan you choose.

Online GP and nurse consults with CareHQ, when booked through the MySouthernCross app*.

Up to three online mental health sessions with Raise each claims year* to help you access the support you need on any issues impacting your life.

An annual health check with MedPro each claims year, including advice to manage your health, for members 16 years and over*.

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*Subject to change. T&Cs apply. CareHQ health coaching consults not included.

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Back to plans

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

Our team are happy to help:
Monday to Thursday 9:00am - 5:00pm
Friday 9:00am - 4:30pm

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HealthEssentials health cover

You can find the policy document and view the various documents that form part of the HealthEssentials policy below.

Policy document and benefit summary

HealthEssentials policy document

HealthEssentials

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Step up your health

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Already a member?

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HealthEssentials includes cover for:

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HealthEssentials cover is available for less than $2 a day

Good to know

Additional benefits of membership

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

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HealthEssentials health cover

Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

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What we offer

Who we're for

Important information

Quick links

Help links

Open links

Step up your health

Already a member?

Additional benefits of membership

Need more help in finding the right health insurance for you?

Call us on 0800 100 555

Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

What we offer

Who we're for

Important information

Quick links

Help links

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