Our health insurance plans

Whether you're after health insurance to cover major medical expenses and specialist consultations, or everyday cover for those day-to-day medical expenses, Southern Cross Health Insurance is here to help.

We have a range of health insurance plans and wellbeing modules that offer different benefits. You can also add family members to your health insurance policy and protect your whole family. Our child rates apply up to 21 years old, and we offer discounts for larger families too.

We have two shared cover plans: KiwiCare and RegularCare. Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive.

Cancer Cover Plus can be added to your plan as an upgrade of the chemotherapy for cancer cover under your base plan. This includes cover for both Pharmac approved chemotherapy drugs and chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated.

Cancer Cover Plus is fully underwritten (pre-existing condition concessions do not apply), subject to eligibility criteria and is only available to purchase where all members on a policy are under 60 years old.

Wellbeing modules can be added to the Wellbeing plans to access cover for everyday healthcare services. See the available Wellbeing modules on Wellbeing One and Wellbeing Two.

Cancer Assist and Critical Illness plans can also be purchased with your health insurance plan (excluding HealthEssentials). Policy terms and conditions, including eligibility criteria apply. Find out more on the plan page for each of these plans.

If you want an easy way to compare our plans, try our plan comparison and quote tool. Answer a few basic questions about you and your family and the tool will show you how our different plans compare. You can see the main benefits of each plan and how adding or changing an excess could change your health insurance premium to suit your budget. 

*For full details on the policy terms and conditions including policy maximums and exclusions which apply to each plan, please refer to the policy documents which are available to view on our plan pages.