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Choose New Zealand's most trusted health insurer1

Your health matters most

We are not-for-profit, so our focus is on your health and wellbeing. We've been looking after the health of New Zealanders for over 60 years.

We are New Zealand's most trusted health insurer and chosen by over 887,000 Kiwis.1

We pay more claims than any other NZ health insurer

We paid 73% of all health insurance claims paid in NZ in 2021.2 Over 87 percent of what we received in premiums was paid back to our members in claims.3
 
  your-health-matters-most

Claiming is super easy

You can easily claim online or through the My Southern Cross mobile app in a few quick steps - and we pay fast, usually within 5 days if you claim online. Even easier, use Easy-Claim or an Affiliated Provider and they'll take care of your claim for you. 

We look after the whole family

You can add your children to your policy with child rates until 21 years - and after the first two children, the rest are free!4,6 Newborns added within 3 months of birth have their pre-existing conditions covered, general policy exclusion apply.5

  claiming-is-super-easy

You save with our healthy discounts

We love to look after your pocket too with discounts for healthy living6, low claims6, and paying by direct debit.6

Offers for our members

Save on everyday health and wellbeing services like eye tests, hearing tests, dental treatments and gym memberships. Members also get discounts on Southern Cross Travel Insurance, Pet Insurance, and Life Insurance.
 benefits

Your health matters most

We are not-for-profit, so our focus is on your health and wellbeing. We've been looking after the health of New Zealanders for almost 60 years.

We are New Zealand's most trusted health insurer and chosen by over 870,000 Kiwis.1

We pay more claims than any other NZ health insurer

We paid 72% of all health insurance claims paid in NZ in 2019.2 Over 85 percent of what we received in premiums was paid back to our members in claims.3
your-health-matters-most

Claiming is super easy

You can easily claim online or through the My Southern Cross mobile app in a few quick steps - and we pay fast, usually within 5 days if you claim online. Even easier, use Easy-claim or an Affiliated Provider and they'll take care of your claim for you. 

We look after the whole family

You can add your children to your policy with child rates until 21 years - and after the first two children, the rest are free!4,6 Newborns added within 3 months of birth have their pre-existing conditions covered, general policy exclusion apply.5
 claiming-is-super-easy

You save with our healthy discounts

We love to look after your pocket too with discounts for healthy living6, low claims6, and paying by direct debit.6

Offers for our members

Save on everyday health and wellbeing services like eye tests, hearing tests, dental treatments and gym memberships. Members also get discounts on Southern Cross Travel Insurance, Pet Insurance, and Life Insurance.
benefits

Find the right cover for you and your family now.


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  1. Winner of the Reader's Digest Most Trusted Brands for Health Insurance, 2017 - 2022.
  2. Based on data provided by The Financial Services Council.
  3. For the 12 months ending 30 June 2021.
  4. Not applicable for HealthEssentials.
  5. Terms and conditions apply, see the policy documents for each plan.
  6. Discount is not applicable to Cancer Cover Plus.