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 and your policy is not part of a work scheme, you will be entitled to a 2.5% discount on your premium. To set up a direct debit go to My Southern Cross or contact us.
Note: The Direct Debit Discount will be applied to your premium first before any other discount or reward you may be eligible for is applied.

The Direct Debit Discount full terms and conditions apply and are subject to change, read more here.

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 at the time of joining:

• 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.

The Healthy Lifestyle Reward full terms and conditions apply and are subject to change, read more here.

Low Claims Discount: You may be entitled to a 5% or 10% discount on your premium for up to 12 months 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’ve had 2 years or more of continuous cover on your policy, and
• your previous 2 years claiming history at time of assessment totals $1,000 or less.

The Low Claims Discount full terms and conditions apply and are subject to change, read more here.

Free Child Discount: If you have more than two children under the age of 21 years on your policy – provided you’re on an eligible plan, you’ll only need to pay for the first two children, and any third and subsequent children on the policy will be included at no additional charge.

The Free Child Discount full terms and conditions apply and are subject to change, read here.

The above discounts are not available on certain plans or upgrades, please refer to the table below.