Why choose us?


Your health comes first, that's why making the decision to get health insurance is an important one. Being New Zealand's favourite not-for-profit health insurer we can focus on giving you better service and better value healthcare. For every $1 paid to us in premiums, we paid out an industry leading 86 cents in claims (year ended June 2016). Find out all the reasons to put your health in safe hands with Southern Cross.



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Extra member benefits

 SCHS_WEB_ICON_APPLE_LL_43x43 10% healthy lifestyle joining discount*
Get a 10% joining discount just for living a healthy lifestyle. The discount is available to individual and voluntary work scheme members and can last up to two years from joining.
 SCHS_WEB_ICON_DISCOUNT_LL_43x43 10% low claims reward*
A 10% discount after two years of low claims. You can continue to get this discount every year for as long as your claims are low. This is available to individually billed members who aren't in an employer scheme. More.

2.5% direct debit discount*
Save 2.5% on your premiums just by setting up and paying by direct debit.

 SCHS_WEB_ICON_Bear_LL_43x43 Pay for 2 kids, the rest are free*
Your third and following children can get free health cover when you add them to your policy.
 SCHS_WEB_ICON_Baby_LL_43x43 Pre-existing conditions cover for newborns*
If you’ve been a member for 3 months and you add your baby before they’re 3 months old, we’ll cover their qualifying pre-existing conditions.
 SCHS_WEB_ICON_Child-rates_LL_43x43 Child rates until 21 years*
Pay only child rates until your children are 21 years old.**
*Terms and conditions apply. See policy documents here.
**One rate for children aged 0 to 21. Subject to standard annual premium changes.

Partner offers

We’ve partnered with some of NZ’s favourite health providers, so you can benefit from being with us all year round.

OPSM Free eye exam & save 15% on glasses
Get a free eye exam and retinal scan and save 15% on a range of prescription and non-prescription glasses at OPSM. More.  
BloomC Free hearing test
Get a complimentary diagnostic hearing test valued at $85 and save 10% on a selected range of hearing aids. More.
Lumino 5% off dental treatments
Get 5% off dental treatments at Lumino. New patients also get a half-price exam and x-rays. More.
SpecSavers 25% off & half price eye exam
Get 25% off when you purchase 1 pair from the $169 range or above and a ½ price Eye Exam at Specsavers. More.

2.5% discount on pet insurance
Get a 2.5% discount when you cover your furry family too. More.

SCTI 35% discount when you buy travel insurance online
Get a special rate plus 35% extra off when you apply online. More.
  Life2 10% discount off your life insurance premium
As long as you're a Southern Cross Health Society member you can get 10% off your Southern Cross Life Insurance premium. More.
Over a million Kiwis have health insurance, and over 800,000 choose to put their health in safe hands with Southern Cross. We’ve been looking after the health of New Zealanders for over 50 years and take care of the important things like making sure you're covered for the right benefits, so you’re on the road to recovery without any surprises. Southern Cross also pays the most in claims and paid 72% of all health insurance claims in New Zealand (year ended June 2015). Our focus is on keeping you well and if anything goes wrong you can rest assured that we will take care of you.
One of the ways we try to manage rising healthcare costs is through our Affiliated Provider programme. Affiliated Providers are doctors, specialists and facilities contracted to provide healthcare services to members at agreed prices. Affiliated Providers also make life easier for members by organising prior approval and claims for contracted procedures on your behalf.

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.