The New Zealand health system

Living in New Zealand has its health benefits – ACC and the public health system provide a good level of healthcare support for accidents and acute care. For any urgent or emergency treatment you will be looked after in the public health system. However, public hospitals cannot provide everything for everyone.

Southern Cross health insurance policies are designed to complement these public services.

Non urgent care in the health system

If a condition is a non-emergency condition, in the public system you will usually need to go through an assessment process and qualify for ‘elective’ treatment. Common elective treatments include: hip or knee replacement, heart surgery, hysterectomy, cataract removal, cancerous tumour removal, and diagnostic services such as endoscopy, laparoscopy, MRI scans, tonsillectomy, and grommets.

Private health insurance helps with the cost of many non-urgent procedures and provides faster access to private hospitals for the treatment. Not having to wait for treatment within the New Zealand health system means getting back to work faster and enjoying a better quality of life.

Accident Compensation Corporation (ACC)

Anyone in New Zealand, including visitors, who has an accident or injury is usually covered by the government’s personal injury scheme, ACC. ACC helps pay for medical and treatment fees and rehabilitation costs or residential care incurred by any accident or injury.

Visit the ACC website for more information.


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