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 the latest offers.

Save on your health insurance premiums

  • Healthy lifestyle reward: you may be entitled to a 10% discount for up to two years from joining if you;
    • are an individual member or in a voluntary work scheme, 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 claims over a two year period. If you aren't part of a subsidised work scheme or under 21 years old. Find out more.  
  • Direct debit discount: if you pay by direct debit you will receive a 2.5% discount off your premium. Available to members who aren't in an employer scheme. Set up a direct debit.
  • 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 are free! (Not applicable for HealthEssentials.)

    Other discounts and offers

    Southern Cross Life Insurance logo
    Get a 10% discount off your Southern Cross Life Insurance premium for the duration of your policy (whilst you remain a member). Find out more.

    Southern Cross Pet Insurance logo
    Get a 2.5% discount on pet insurance. Find out more.

    Southern Cross Travel Insurance logo
    Southern Cross Health Society members who take out a TravelCare policy receive a 5% special member discount. Find out more.


    Get a complimentary diagnostic hearing test valued at $85 and save 10% on a selected range of hearing aids. Find out more
    Get 15% off the entire ecostore range online or in the ecostore flagship store. Find out more

    Get 10% off a standard 12-month multi-club membership and no joining fee. Find out more


    Get 5% off dental treatments at Lumino. Plus, new patients get a half-price exam and x-rays. Find out more

    Pita Pit

    Get 10% off the entire Pita Pit menu in-store or online. Learn more.


    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. Find out more.  

    Snap Fitness

    Get a $149 gift voucher to cover your joining fee and other Snap Fitness items! Find out more.


    Get 25% off when you purchase 1 pair from the $169 range or above and a half price Eye Exam. Find out more

    Terms, conditions, exclusions and availability periods apply to all offers. Please see individual offer pages for full details.