Your health is worth protecting

Having health insurance gives you peace of mind knowing that you and your family can get the medical treatment you need, when you need it.

If you are diagnosed with a non-acute medical condition, you could have a long, uncomfortable wait for treatment from the public health system. For private treatment you can expect to pay thousands of dollars for some common operations. Without health insurance, these can be hard to afford. 


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Health insurance offers protection for your future

  • Faster access to treatment by avoiding public hospital waiting lists.
  • Less financial stress by reducing your costs of private treatment and time off work.
  • More choice over when you receive treatment for qualifying medical conditions.

Public vs. private healthcare

New Zealand has a public healthcare system that will look after your acute needs and a public no-fault accident insurance scheme (ACC) that covers you for accidental injury.

However, if you need to see a specialist, have non-acute surgery or a diagnostic procedure (such as an MRI), the public system will put you on a waiting list. This is where health insurance can help.

Get a quote & apply > or request a call back.


The real costs of healthcare can add up. 
See the costs of common medical procedures for Kiwis your age.

Many NZ employers offer health insurance work schemes. 
Find out if your employer offers Southern Cross health insurance.

A mother walking with her two children
A mother walking with her two children