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

Get sorted in five simple steps:

  1. Select your base plan

    Choose to cover day-to-day healthcare (like GP and Dentist), or hospital care (like surgery and cancer), or both.

  2. Add optional add-ons

    Choose add-ons like cancer or critical illness lump sum payments, vision and dental, and more.

  3. Add any discounts

    If you qualify, you'll receive your health living, direct debit and other discounts.

  4. Choose an excess

    For the Wellbeing One and Two plans you can choose an excess to reduce your premium.

  5. Complete the online application

    Our simple online application takes around five minutes to complete.


Start here


How do I compare plans?

Use our plan finder, which will recommend a plan for you based on your needs and you can compare it with our other plans.


Get a quote


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. You can even insure your pet's health.

 

 

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.

Find out more

 

 

 

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.

Find out more

 

 

 

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. 

Find out more

 

 

 

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.



Find out more

 

 

 

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).

Find out more

 

 

 

 

 


 

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).



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.

Find out more




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 100 777.

Find out more

 



Join now


† 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.