Why choose us

We're working towards a healthier New Zealand, empowering all Kiwis to live healthier lives. We've been looking after New Zealanders' health for over 50 years and now more than 850,000 Kiwis choose Southern Cross

Blue_tickPNG NZ's most trusted health insurer1

Blue_tickPNG 5-star rated for customer satisfaction2

Blue_tickPNG Better value because we're not for profit

Blue_tickPNG We pay the most health insurance claims3

Blue_tickPNG Smartphone app for easy claiming

Blue_tickPNG Discounts and offers for members


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> Faster treatment, less worry

Faster access to treatment when you're unwell - and less stress about finances or taking time off work.

> NZ owned and not-for-profit

We focus on the healthcare needs of our members, not on making money for shareholders. So it's you we care about - and care for.

> Faster, simpler claiming

Claim online with My Southern Cross, track your claim's progress and get refunds faster. Or download the free My Southern Cross app (Apple or Android) for fast claiming on the go. You can even claim on the spot at participating healthcare practices.

> Special rewards and discounts 3

You might be eligible for a 10% healthy lifestyle joining reward, or up to 10% low claims discount - plus a 2.5% discount when you pay by direct debit. Find out more

> Exclusive offers

Get more from your membership with discounts from Southern Cross Travel Insurance, Southern Cross Pet Insurance and Southern Cross Life Insurance. Plus offers on everyday health products and services like hearing and eye tests, and dental treatment. Find out more

> Discounts for families

You only pay for the first two children under 21 on your policy - any more are free4

> Hassle-free healthcare

Receive healthcare services from affiliated doctors, specialists and facilities at agreed prices. Our Affiliated Providers also arrange prior approval for you and let you know what your contribution will be (if any). Best of all, you don't have to pay for treatment up front and claim later - it's all done for you!

> Manage your policy online - anywhere, anytime

Using your health insurance is easy. My Southern Cross is our secure, online service that helps you apply for prior approval, check benefit balances, switch to paperless communication, update your contact details and more.

> A plan to suit you and your family

It's easy to find a plan that's just right for you and your family. Try our Plan finder


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1 Winner of the Reader's Digest Most Trusted Brands for Health Insurance, 2017, 2018

2 Winners of the Canstar Blue's Most Satisfied Customers Award - Health Insurance 2016, 2017, 2018

3 We paid 73.75% of all health insurance claims paid in NZ in 2017, HFANZ

4 Terms and conditions apply; not all benefits are available on all plans.

Not available on the HealthEssentials plan. One rate for children aged 0 to 21. Subject to standard annual premium changes

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