Membership advantage

What is Membership Advantage? 

Membership Advantage is a set of funeral and other accident-related benefits that has been offered, in addition to our health insurance policies, for a number of years to members of work schemes linked to Business New Zealand and the Employers and Manufacturers Association.

A full list of the benefits available in Membership Advantage can be found at the link below.

Membership advantage benefit sheet

Changes to Membership Advantage – updated in response to COVID-19

We reviewed this product and decided that Membership Advantage doesn’t fit with our health insurance and wellbeing offering to members. As a result we will no longer be offering this product to members and we will stop collecting premium for Membership Advantage from your next policy renewal or 30 June 2020, whichever comes first. For those members who were contributing towards the premium for Membership Advantage, this change will be reflected in either your renewal premium chart or your first billing period after 30 June.

We completed the work involved in removing this product from our billing systems before we were all impacted by COVID-19. We acknowledge that this is a challenging time for all of us, and as a result we’re making the benefits of Membership Advantage available until 30 September 2020. We won’t be charging a premium for these benefits during this period.


As we are no longer offering or supporting Membership Advantage (or collecting the premium for it) if you wish to retain it you will have to discuss this directly with the insurer/underwriter DPL Insurance. You can reach their business arm Greenwich Life at or call 0800 666 004. Before you do so, we would urge you to carefully compare the benefits offered with other trauma products available.
When we look at what benefits to change, reduce or remove, we consider the number and dollar value of claims made in previous years, the member impact and the alignment with our goal of making health insurance affordable for as many Kiwis and Kiwi businesses as possible. We’ve reviewed our products to ensure they remain suitable and relevant to our members going forward and we don’t believe that Membership Advantage is either of those things. We want to remain focused on providing sustainable and competitive health insurance and wellbeing products. 
The premium was a flat fee of $39 per year for every person on the policy aged 21-64.
It was available for staff of employers who were members of Business New Zealand or the Employers and Manufacturers Association (EMA), who purchased Southern Cross health insurance through their employer work scheme and who were aged between 21 and 64 years old. 
If you were entitled to Membership Advantage a benefit sheet was included in the welcome pack sent out when you first joined the work scheme. 
Please download a claim form, complete and post it to our claims team (Southern Cross Health Society, Private Bag 3216, Hamilton), who will assess your claim.