Benefits of renewing your policy

See the advantages of having health insurance, and why it's better to be with Southern Cross. 

Advantages of health insurance

When you’re in pain or unwell, the last you thing you need is uncertainty about when you can get qualifying treatment or how you’ll afford it. When your policy renews, you’ll continue to have peace of mind knowing that you’ll have:

Faster access to treatment – shorter waiting times when you’re in pain or unwell means you can focus on getting back to a healthier you, sooner.


More control over timing – you can have your treatment when it suits you, so there’s less disruption to your life. Plus, organise time off work and plan for your recovery.


Less financial stress – faster treatment means less time off work or away from your daily responsibilities. Plus, when you have prior approval you have certainty of exactly what’s covered under your policy and how much we’ll pay towards treatment.

Why it's better to be with Southern Cross

NZ owned and not-for-profit
We focus on the healthcare needs of our members, not on making money for shareholders. It’s our members we care about – and care for. That’s why for every $1 we received in premiums, we paid out an industry leading 86 cents in claims in the year ending June 2016.

Hassle-free healthcare with Affiliated Providers
Affiliated Providers are doctors, specialists and facilities that provide healthcare services for members at agreed prices – this helps us manage claims costs to keep your future premiums more affordable.

Affiliated Providers also arrange your prior approval and tell you 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!*

Faster, simpler claiming – online and with Easy-claim

  • Online claiming: policyholders can claim online with My Southern Cross, track the claim’s progress and get refunds faster (usually within 5 working days).
  • Easy-claim: claim on-the-spot at participating healthcare practices with your Member card. See who offers Southern Cross Health Society Easy-claim.

Special member discounts and offers
Get more from your membership with discounts from Southern Cross Travel Insurance and Southern Cross Pet Insurance. Plus get regular offers on everyday health products and services like dental and optometry.

Discounts for families
You only pay for the first two children under 21 on your policy – any more are free.** See more about our free child discount.

Manage your policy online – anywhere, anytime
My Southern Cross is our secure, online service that makes having and using your health insurance easy. Turn off paper and receive policy information through My Southern Cross, make a claim, apply for prior approval, update your contact details and more.

A plan to suit your needs
We review our plans regularly to make sure they’re relevant to our members’ needs, so it’s easy to find a plan that’s just right for you and your family.

* Not all services provided by Affiliated Providers are contracted services. For non-contracted services, members will need to pay for the service and submit a claim.
** Conditions apply. A child can only be insured as a dependant on his/her parent’s policy.