Member discounts & offers

We’re committed to making sure you get the most out of your membership with Southern Cross – even if you don’t need to make a claim.

You may qualify for discounts on your premium, as well as receiving exclusive member discounts from other Southern Cross Group businesses. We’ve also got some great offers from our healthcare partners – make sure your email address is up to date in My Southern Cross, so you can hear about our latest offers.

Save on your premiums*

• Direct debit discount: if you pay by direct debit, you will receive a 2.5% discount off your premium. This isn't available to members who are in a group scheme and this discount does not apply to Cancer Cover Plus. Set up a direct debit now in My Southern Cross or contact us.
  For those eligible for the direct debit discount, this will be applied to your premium first before any other discount you may be eligible for is applied.

• Healthy Lifestyle Reward: You may be entitled to a 10% discount on your premium for up to 2-years from the date you’ve joined if:
  • you’re 21 years of age or over (and you’re not on child rates), and
  • your policy is not part of a subsidised work scheme, and
  • you meet the healthy lifestyle criteria.
    Read more about the terms and conditions for the Healthy Lifestyle Reward here.

• Low claims discount: you may be entitled to a 5% or 10% discount for up to 12 months based on your previous two-year claiming history. If you;
  • are an individual member or are in a voluntary work scheme, and
  • are 21 years old or over, and
  • have had your eligible health insurance for 2 or more years.
    More on the low claims discount.

• Free child discount: if you have more than two children on your policy under 21 years of age, you’ll only pay for the first two children – any additional children on the policy will be included with no increase to your premium.

*Discounts do not apply to some cover options, please refer to the table below.