KiwiCare is a shared cover plan. Please call us if you wish to apply.

The plan provides a contribution towards cancer care, surgical procedures, consultations1, diagnostic imaging, tests and some recovery. Shared cover means you and Southern Cross each pay some of the costs of the healthcare you receive. 

To help reduce your premiums, you can choose KiwiCare Budget which has a $500 per member per claims year excess.

Product summary

You will be reimbursed for 80% of expenses (unless otherwise stated) for eligible healthcare services, up to the policy limits.


A few details to help you compare plans

Cancer care


Surgical procedures

$100,000 per operation

Specialist consultations

$4,000 per claims year.1

Diagnostic imaging and tests






Non-surgical treatment


Overseas treatment allowance

No cover

Day-to-day healthcare

No cover

Vision and dental healthcare

No cover

Obstetrics allowance

No cover

Qualifying pre-existing conditions

After 3 years

† Prosthesis maximums apply.
1 Up to $4,000 per claims year (in total). 5 specialist consultation limit removed due to unintended impacts. Find out more.
* Must be performed within 6 months after related eligible surgical treatment or cancer care to be covered.

Compare plans 

To see more benefit details and compare with our other plans, please refer to the corporate comparison chart.

Plan documents and more information

For full details on the terms and conditions (including exclusions), please refer to the policy document, the KiwiCare benefits summary or contact us.