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. You can set up a direct debit here.
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 for your first two years (from your join date) if you;
- are an individual member (you joined independently, not in a group scheme) or are in a voluntary work scheme, and
- are 21 years old or over, and
- meet a healthy lifestyle criteria.
- 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.
| Cover options |
Direct Debit discount |
Healthy Lifestyle Reward |
Low Claims Discount |
Free Child Discount |
| Critical Illness |
Available |
Not available |
Not available |
Available |
| Cancer Assist |
Available |
Not available |
Not available |
Available |
| HealthEssentials |
Available |
Not available |
Not available |
Not available |
| CancerCoverPlus |
Not available |
Not available |
Not available |
Not available |
Other discounts and offers
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Get your 15% member discount on online GP consultations booked with Care HQ through My Southern Cross App. More about CareHQ.
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Free eye test and digital retinal scan. You can save 15% on lens and lens extras on prescription glasses or sunglasses and get 10% off contact lenses. More about OPSM member offer.
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