Rewards and discounts

See the rewards and discounts available to Southern Cross members – what they are, who can get them, and how
they work. 


Direct debit discount

Private members who pay by direct debit get a 2.5% discount off their premium.

Who can get it?
This discount is only available to members who have a private membership with Southern Cross.

It doesn't apply to:

  • members in a work scheme.

Healthy lifestyle reward

The healthy lifestyle reward is a 10% premium discount for members who meet our simple healthy lifestyle criteria. It applies for up to 2 years. After this time, they may qualify for a low claims reward instead.

Who can get it?
New members, aged 21 or over who have a health insurance policy may be eligible for the healthy lifestyle reward.

It doesn’t apply to:

  • members in a subsidised work scheme
  • members with HealthEssentials or Critical Illness cover.
How the healthy lifestyle reward works
When new members join Southern Cross, we ask them four questions about their lifestyle – specifically in relation to smoking, eating, drinking and exercise. If a member’s answers indicate that they lead a healthy lifestyle, a 10% discount is applied to their premium for up to 2 years.

Low claims reward

The low claims reward is a 10% premium discount for members who have claimed under a set amount over a specified 2 year period. It applies for up to 12 months.

Who can get it?
Members aged 21 or over who have had at least 2 years of continuous membership on a health insurance policy may be eligible for the low claims reward.

It doesn’t apply to:

  • members in a subsidised work scheme
  • members with HealthEssentials or Critical Illness cover.
How the low claims reward works
Each year there are set claim amounts for different ages and plan types – these are known as ‘low claims reward thresholds’. If a member claims under the threshold relevant to them during a specified 2 year period, a 10% discount is applied to their premium for up to 12 months.

We assess whether members qualify for this reward each year at their policy renewal.

Free child discount

We offer a free child discount for families – members only pay for the first two children (under 21 years) on their policy – the rest are free!

Who can get it?
Members who have more than two children under 21 years of age on their policy are eligible for the free child discount. The discount applies to any additional children on the policy.

It doesn't apply to:

  • members with HealthEssentials or Critical Illness cover.

Questions

What is my low claims reward threshold?

The thresholds vary for different ages and plan types. To check your current threshold, please contact us.

Can I find out if a claim will exceed my low claims reward threshold?

Yes, you can – please contact us to check.

Why is the low claims reward assessed over 2 years?

We use a 2 year period so there is a long enough time period to even out your usage of policy benefits. If we only used 1 year, the threshold would be much lower and it would be harder for members to get the discount.

Low claims reward terms and conditions

Click here to view the low claims reward terms and conditions.