Privacy statement

Privacy of information relating to you is governed by the Privacy Act and in relation to health information, by the Health Information Privacy Code.


How may Southern Cross use your information? 

You authorise us to use information about you for the following purposes:

  • to consider your eligibility for cover under the policy;
  • to consider the specific terms applying to the policy (including any pre-existing conditions);
  • to administer the policy and your membership with the Society including general meetings;
  • to consider whether any healthcare service is eligible for cover under the policy;
  • to contact you from time to time, including within a reasonable time of you ceasing to be covered by the policy, with information about products and services relating to us, other ‘Southern Cross’ branded businesses, and our business partners;
  • to conduct analysis and research; 
  • to compare with information about you held by our business partners, so we can provide you with information about relevant products and services relating to us or our business partners;
  • to process, investigate and review any claims made and or paid (including historical claims); 
  • to prevent, detect and investigate any fraud including where in our reasonable opinion we suspect any fraud; and
  • to comply with laws and regulations.


Who may Southern Cross collect your information from?

You authorise us to collect information about you for the above purposes, directly from you, or from:

  • the policyholder (e.g. directly from the policyholder via the application form and claim form); 
  • the husband / wife or partner of the policyholder (provided they are covered by the policy);
  • a previous Southern Cross health insurance or Critical Illness policy (including previous application(s), Membership Certificate(s) and or claims);
  • health services providers (including Affiliated Providers), approved facilities, and medical authorities (including ACC and Ministry of Health);
  • ‘Southern Cross’ branded businesses and our business partners;
  • the adviser associated with the policy;
  • the Group Administrator, if the policyholder is part of a work scheme or association scheme for the purpose of administering premiums (if applicable) and verifying the policyholder’s eligibility to be part of the work scheme or association scheme (excluding the collection of health information); and
  • any other third party authorised by the policyholder or adult dependant.

You also authorise the disclosure of such information by such parties for any of the above purposes. 


Who may Southern Cross disclose your information to?

You authorise us to disclose information about you for the above purposes, directly to you, or to:

  • the policyholder;
  • the husband / wife or partner of the policyholder (provided they are covered by the policy);
  • relevant health services providers (including Affiliated Providers), approved facilities and medical authorities;
  • any third party authorised by the policyholder or adult dependant;
  • the adviser associated with the policy (including disclosure of health information);
  • the Group Administrator if the policyholder is part of a work scheme or association scheme for the purpose of administering premiums (if applicable), including the disclosure of premium information about any dependants on the policy (if applicable), and verifying the policyholder’s eligibility to be part of the work scheme or association scheme (excluding the disclosure of health information);
  • other ‘Southern Cross’ branded businesses and our business partners;
  • any other party as required by law.

All communications from us relating to you, whether or not you are the policyholder, will be sent to the policyholder. This means that your personal and health information will always be disclosed to the policyholder, including when you make a claim, and you authorise this disclosure.


Is your information secure?

We endeavour to protect your information from loss, unauthorised access, modification or disclosure and or misuse in accordance with the Privacy Act and Health Information Privacy Code. Please note we may also record calls for training and audit purposes and for dispute resolution.


How can you access and correct your information? 

You are entitled to have access to and request correction of any of your personal information or health information held by us.  Please contact us on 0800 800 181. 

We endeavour to ensure that the information we collect, store, use or disclose is accurate, complete and up to date. Prompt notification of any changes to your contact details will help us to do this. 

From time to time Southern Cross may send you marketing and other information electronically such as by email or text message.  If you have provided your email address or mobile phone number we take this as your implied consent to us doing this.  If you wish to withdraw your consent at any time please contact us.


If you do not provide us with your information, what then?

If the information provided to us is not accurate or complete we may not be able to process the application or claim, or it may result in us not being able to provide you with cover until such information is provided. The consequences of providing incomplete, false or misleading information are set out in your policy document.


Need more information?

If you have any queries about the privacy of information held by us and or our Privacy Statement, please contact our Privacy Officer via 0800 800 181.

Your information is collected and held by Southern Cross Medical Care Society, Level 1, Ernst & Young Building, 2 Takutai Square, Auckland 1010.


Version updated July 2016.