Why choose us?

Blue_tickPNG 5 Star rated for
customer satisfaction1

Blue_tickPNG Not-for-profit
for better value.

Blue_tickPNG 8 out of 10 kiwis with health
insurance choose us2

Blue_tickPNG More paid
in claims3

Blue_tickPNG A+ financial

Blue_tickPNG Smartphone app
for easy claiming.


Your health comes first, that's why making the decision to get health insurance is an important one. Having health insurance means you’ll have faster access to specialist appointments, diagnostic procedures and treatment without the risk of having to wait on NZ public hospital waiting lists.


Compare all plans & get a quote >


The real cost of treatment.

See common treatments by age here.

You're in safe hands.

  • More than 800,000 Kiwis choose to put their health in safe hands with Southern Cross2
  • We’ve been looking after the health of New Zealanders for over 50 years.
  • We take care of the important things like making sure you're covered for the right benefits, so you can get on the road to recovery without any surprises.

Better value

  • For every $1 paid to us in premiums, we paid out an industry leading 90 cents in claims (year ended June 2017). 
  • Southern Cross pays the most in claims and paid 71% of all health insurance claims in New Zealand (year ended June 2016). 

Our health insurance plans come with some great benefits* 

Direct Debit Discount Southern Cross
2.5% direct
debit discount*

Child Rates Health Insurance
Child rates until
21 years of age*

Newborn conditions Southern Cross
Pre-existing conditions
cover for newborns*

Healthy Lifestyle Southern Cross
10% healthy lifestyle
joining reward**

Children free Southern Cross
Pay for 2 children,
the rest are free**

Low claims reward Southern Cross
10% low claims

Southern Cross Member discounts and offers at these partners*


 OPSM Southern Cross partner Specsavers Southern Cross partner Lumino Southern Cross partnerBloom Southern Cross partner

Find out more about our partner offers and member discounts.


Join NZ's most trusted health insurer


...or request a call back.

1Canstar Blue Most Satisfied Customers for Health Insurance 2016. 2Health Funds Association of NZ Members Market Share Information, 12 Months ended 31 March 2016. 3Southern Cross Health Society pays more claims than any other health insurer in New Zealand. 

* Terms and conditions apply, not all benefits are available on all plans. See plan details and policy documents. ** Not available on the HealthEssentials plan. One rate for children aged 0 to 21. Subject to standard annual premium.

Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Limited.

The rating scale is:

AAA (Extremely Strong) AA (Very Strong) A (Strong)
BBB (Good) BB (Marginal) B (Weak)
CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default)
R (Regulatory Action) NR (Not Rated)
Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at www.standardandpoors.com. Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.