Referring to an Affiliated Provider

The Affiliated Provider (AP) programme is one way we are working with healthcare providers to manage the impact of rising healthcare costs on our members' premiums.

An AP is a doctor, specialist or medical facility contracted to provide Southern Cross members with certain healthcare services at agreed prices.

Benefits for Southern Cross members


It’s easy. The AP organises prior approval for the healthcare service you need and
claims on your behalf.


It keeps your future premiums more affordable by helping us to manage 
the cost of claims.


Agreed prices mean you know up-front how much your contribution will be (if any).

We have more than 1,000 AP agreements across New Zealand, including 1,600 healthcare providers, covering more than 20 different medical specialties. Currently, 55 per cent of all Southern Cross' claims costs were paid through APs.

Some healthcare services are only covered under Southern Cross health insurance policies (excluding UltraCare) if they’re performed by an AP. These services are called AP-only services.

Find an AP at