Terms and conditions

1. The prize draw is open to Southern Cross Advisers who receive an email invitation from Southern Cross inviting them to take part in the Adviser Satisfaction Survey (referred to as a “Survey”) and who complete and submit a response to that Survey during the period between 18 November 2024 and 1 December 2024 (“Promotional Period”) (“Eligible Adviser”).
2. No purchase or fee is required to be eligible to enter the prize draw.
3. Each Eligible Adviser will automatically be entered into the prize draw. Eligible Advisers will be entitled to one entry into the prize draw when a Survey is completed and submitted during the Promotional Period.
4. Completion and submission of a response to the Survey during the Promotional Period is deemed acceptance of these terms and conditions.
5. Each Eligible Adviser will be entitled to win a Prezzy Card to the value of $100.
6. The prize will be drawn on the 6 December 2024 and prize winners will be notified by email by Monday 9 December 2024 by email at the same email address that the invitation to participate was sent to. If Southern Cross is unable to get in contact with a prize winner within two weeks of the draw taking place, that winner will forfeit the prize.
7. Employees or contractors (and their immediate families) of Southern Cross Healthcare Group businesses are not eligible to enter the prize draw.
8. Southern Cross’ decision is final, and no correspondence will be entered into. Southern Cross is not liable for any loss, damage or injury by any person in connection with the prize draw or the prizes.
9. The prizes are non-transferable and not redeemable for cash. The prizes are subject to availability and if unavailable will be replaced with similar prizes of an equivalent value.
10. Your personal information is being collected by Southern Cross Medical Care Society for the purpose of conducting and administering this prize draw.
11. Your personal information will be held by Southern Cross Medical Care Society, Level 1, Te Kupenga, 155 Fanshawe Street, Auckland 1010. You have the right to access and seek correction of any personal information Southern Cross holds about you.

Lens upgrades such as tinting, coating or hardening of lenses not included unless specified.

Kids frames are excluded from this discount.

Not available in conjunction with any other offer or discount, unless specified. Discount can be applied to the cost of glasses with any lens type.

Cannot be used on optometry services, sale items or combined with any other offer.

Available in-store only.

Offers are not redeemable for cash.

Available for Southern Cross Health Insurance members only (excludes travel insurance, life insurance and pet insurance policyholders) on presentation of your member card or virtual member card in your My Southern Cross app in store.

Effective from 20 February 2023, (subject to the terms and conditions below) membership with Southern Cross Medical Care Society (“Southern Cross”) will include access to the following healthcare services without the need BUSIto claim under the member’s policy (together the “Benefits”):

Consultations with CareHQ Limited Partnership (“CareHQ”)

Appointments must be booked via the My Southern Cross app and must be between the hours of 7am and 7pm ("Standard Medical Consultation") in order to be free of charge. Members aged 16 years or over must book using their own My Southern Cross login credentials when booking their appointment with CareHQ via the My Southern Cross app. CareHQ is unable to provide consultations for members aged 16 years or over where the appointment has been made using another member’s login. Any appointments for members aged below 16 years will need to be made by the policyholder.

Mental health sessions with Raise Limited (“Raise”)

Up to three counselling or wellbeing coaching sessions with Raise.

Members are entitled to 3 sessions in each claim's year. This does not include any sessions attended between 1 December 2021 and 24 October 2022.

If a Member does not attend their appointment or the Member provides Raise with less than 24 hours’ notice of cancellation of their appointment, the missed appointment will be counted towards the Member’s total of 3 sessions per claims year and the Member will be charged directly by Raise for any subsequent appointments made by them in their current policy’s claim year.

Annual health check with MedPro Healthcare (NZ) Limited (“MedPro”)

Members aged 16 or over will be entitled to one Annual Health Check per claims year.

Annual health checks will take place at one of 15 clinics at various locations across New Zealand with the possibility that additional satellite locations may be made available, based on demand.

The exact make-up of the Annual Health Check will be determined by MedPro, based on their assessment of the Member who has presented to them for their Annual Health Check.

If a Member does not attend their appointment for an Annual Health Check or the Member provides MedPro with less than two business days’ notice of cancellation of their appointment, the missed appointment will be counted as the Member’s Annual Health Check for that claims year and the member will be charged directly for any subsequent appointment made by them in their current policy’s claim year.

Benefits revocable: Southern Cross may, at any time and without providing any prior notice to Members, revoke the deed poll pursuant to which the Benefits are made available to Members, a copy of which is published on this web page (“Deed Poll”) or any of the Benefits. Upon revocation of the Deed Poll or any of the Benefits, Southern Cross shall cease to offer the Benefits to Members and the Members will not be able to take up the Benefits. Any revocation or changes to the Benefits will be notified on this web page.

The Benefits are available to any member of Southern Cross whose policy payments are up to date and the policy is not on hold^ or suspended at the time that they make a booking or receive the relevant Benefit, regardless of the Southern Cross plan that they are on. Any member of Southern Cross whose policy payments are not up to date, or their policy is on hold^ or suspended, will not be able to access the Benefits.

^Exception: if a member puts their policy on hold due to Cyclone Gabrielle hardship, that member may continue to access the Raise provided Benefit (but not the MedPro or CareHQ Benefits) during that on hold period, provided their policy payments are up to date.

Please note the policyholder of the policy you book under will be notified once you have used either the MedPro or Raise Benefits. For Raise, they will see that you have had a counselling session with Raise, but not what type of consultation it was.

Benefits are subject to availability, including (but not limited to) the availability of the professionals who provide the Benefits. Southern Cross accepts no liability for either the Benefits provided by CareHQ, Raise or MedPro or the inability of Southern Cross members to access any of the Benefits during the period that the Benefits are available to members.

Benefits of Membership FAQs - effective 24 October 2022

Premiums and Benefit

Who is paying for this?
These benefits are being paid for by Southern Cross Medical Care Society, using the membership's collective premium.

Will this be built into my premiums for next year?
Yes - although there will be no specific allowance for these benefits - future premium is set to cover all expected costs which will include these benefits.

Will this affect my claims experience?
No, the provision of these benefits is in addition to the cover and/or benefits provided by your policy. The use of these benefits will show up under the 'Communications' tab in My Southern Cross as a 'claim update' but this is for record purposes only and does not count as an actual claim against your policy and will not impact a member's low claims discount.

Terms of offer and access to services

How long are the benefits available for?
The benefits are available until further notice. Southern Cross will notify any changes to the benefits (including its availability) on our website.

How do I access the benefits?
The booking process is different for each of the benefits. The booking processes are covered in detail on our website.

What will happen to my information when I access these services?

The policyholder of the policy you book under will be notified once you have used either the MedPro or Raise Benefits. For Raise, they will see that you have had a counselling session with Raise, but not what type of consultation it was.

Raise and MedPro will access and confirm limited information about you in Southern Cross’ system (such as your name, gender, contact details, your Southern Cross member identifier) to validate and book your consultation. Southern Cross will receive a record that you had a Raise, CareHQ or MedPro consultation and for Raise, what type of consultation it was. We will only use this information to help process and analyse consultation uptake.

Southern Cross won’t receive any further details about your health or consultation with any of the providers. Please refer to each provider’s privacy statement to learn how they will handle your information.

When do my Raise and/or MedPro benefit limits reset?
On your policy's claims anniversary. The limits for each benefit apply to your claims year.

How can I check when my last appointment was?
The use of Raise and Medpro services will show up under the 'Communications' tab in My Southern Cross as a 'claim update' (and the My Southern Cross of the policyholder of the policy you are covered under) . This notice is for record purposes only and does not count as an actual claim against your policy, but does allow you to check your usage. You may also contact Raise and/or MedPro to check your usage and/or remaining balance. CareHQ appointments are unlimited (subject to availability).

My policy is on hold, suspended or my payments are not up to date. Can I use these services?
No. Your policy and membership must be active and payments up to date to utlise these services.

CareHQ

Why do I need to book a CareHQ appointment through the My Southern Cross app?
Making your booking via the My Southern Cross app is part of our process to identify you as a Southern Cross member, meaning you will not be charged for the cost of your consultation.

I see there is a CareHQ app in the App Store. Can I book my free appointment through that?
No. To redeem this offer you must make your booking using the My Southern Cross app.

Can I book a CareHQ appointment for somebody else in my family, on my policy?
Each adult aged 16 years or over on your policy must book using their own login for the My Southern Cross app, and only the policyholder can book an appointment for dependent children. If you haven’t got the My Southern Cross app already, register now and download the app free from the Apple App store or Google Play store.

Does CareHQ work on all mobile browsers?
Android 5.0 or higher. CareHQ is fully supported on devices with ARMv7 processors required for video calling. iOS10 or higher, on the following supported devices: iPhone 6S or later, iPad air or iPad Air 2, iPad Mini 2 or later, iPad Pro (1st generation) or later, iPad (5th generation) or later iPod touch (6th generation).

I'm having technical issues with CareHQ who should I contact?
Firstly, try to connect using your personal internet connection on your personal device rather than a work device. Make sure you’ve got a good internet connection and stay in one place. If there’s a technical problem with the CareHQ consultation, the picture freezes or the sound stops from a poor internet connection, the GP will call you on the mobile number you provided when you made the booking. The GP will try and help you or you may need to complete the consultation on your mobile phone. If you are unable to carry out your consultation at all please book another appointment and email [email protected] to let them know.

I had a CareHQ appointment booked and the GP never showed up, what should I do?
Sometimes the GP may be delayed due to other appointment running over. You will receive an email and a SMS / text message when your GP is ready to connect. If they don't show up at all, please book another appointment and email [email protected] to let them know.

Is there a limit to how many CareHQ sessions I get in my claims year?
No, there is no limit, but the benefit is subject to availability; specifically the availability of appointments and/or the professionals providing the service.

I've seen CareHQ advertising appointments for after-hours and other services that aren't available on the Southern Cross app, why is that?
The GP service that operates standard hours, 7am-7pm, 7 days a week is the benefit being offered to Southern Cross members who book through the Southern Cross app.

Raise

Can I get more than three Raise sessions in my claims year if I need them?
You may continue to see a Raise wellbeing coach or counsellor, but any sessions beyond the first three will be at your own expense.

Can I see a clinical psychologist?
The free counselling services with Raise are limited to Wellbeing, Counselling and Couples Counselling. Raise can provide access to a clinical psychologist if required, but these services will be at your own expense.

If my partner and I are both Southern Cross members, can we each claim three couples counselling sessions in our policy year? (6 in total)
Yes, if both you and your partner are members you can each claim up to three sessions in your policy year.

Is the limit on Raise sessions per policy or per person on the policy?
The three Raise sessions are available to each person listed on the policy, not just the policy holder.

Can I book a Raise appointment for somebody else in my family, on my policy?
Yes, if they are on your policy you can book an appointment for them.

MedPro Annual Health Check

What's included in the annual health check?
The practitioner will tailor the health check to your individual needs based on age and other factors such as family history.

Who is eligible for an annual health check?
A MedPro annual health check is available to any member aged 16 years and older.

I've just paid for my own health check, can I get a refund?
Unless listed under the benefits of your health insurance policy, you are not able to claim for the cost of any other health check. To utlise the annual health check benefit bookings must be made with MedPro using the benefit booking page.

Can I get my annual health check done at my GP?
The health check benefit is only available through MedPro when using the provided booking page. You are still able to have a health check performed by your GP, but this will be at your own expense.

Can I get more than one annual health check each claims year?
No. Members aged 16 and over will only be entitled to one Annual Health Check per claims year.

Where will the MedPro annual health check be completed?
Initially at 15 clinics nationwide with further satellite clinics to be established as required.

Can I book an annual health check for somebody else in my family, on my policy?
Yes, if they are on your policy you can book an appointment for them.

^See all terms

*Hearing check:

Complimentary hearing assessment available upon presentation of Southern Cross Health Insurance Member card at appointment. Diagnostic assessments exclude the following services: wax removal, tinnitus assessments, and paediatric assessments. Appointments are subject to availability and location. Offer available once per calendar year for all members under any Southern Cross Health Insurance policy aged over 25 years (excludes travel insurance, life insurance and pet insurance policy holders). Additional assessment appointments (if needed) will be charged at market rate.

**Hearing aids:

30% off selected Widex and Signia hearing aids only and are based on a hearing needs assessment and subject to availability. This offer cannot be used in conjunction with any other offer or discount. The selected hearing aids can only be bought by the member for individual use. Ear moulds and accessories may incur additional charges and charged at marked rate. All hearing aid purchases include a 60 day no risk return period. Available for Southern Cross Health Insurance policy members only aged over 25 years (excludes travel insurance, life insurance and pet insurance policyholders).

*10% off selected home-based exercise equipment which is listed on the exclusive Southern Cross member’s page. This discount can be used in conjunction with current discounts offered for the same items on the Southern Cross member’s page.

**$250 off exclusive Bodypump Wellness Set, includes Smartbar x1, Smartstep x1, 1Kg weight plates x2, 2.5Kg weight plates x2, 5Kg weight plates x2, MBX Mat x1. This discount cannot be used in conjunction with other discounts for this bundle. Where this bundle is discounted on the Southern Cross member’s page, the member will either receive the benefit of a $250 discount on normal pricing or the currently listed discounted pricing, whichever results in the greatest discount on normal pricing.

Available for Southern Cross Health Insurance members only (excludes travel insurance, life insurance and pet insurance policyholders) on entry of promo code from your My Southern Cross app or in-store on presentation of your Southern Cross membership card or virtual member card.

Shipping and freight charges may apply to each online order. Members must also agree to Blue Fitness shopping terms and conditions when purchasing online.

General conditions for all products:

• Offers not transferable.
• Offer cannot be exchanged for cash.
• While stocks last.
• Designs, colours, styles, and sizes may vary in-store and online.

^See all terms

20% off full priced Cancer Society Sunscreen purchased via the OfficeMax website

• Available to Southern Cross Health Society members (“Members”) only. To receive the discount, Members will need to purchase the sunscreen at www.officemax.co.nz/terms-and-conditions and enter the promo code relating to this offer which can be found in My Southern Cross (“Promo Code”). Members must not provide the Promo Code to non-Members
• Discount is applied to the full selling price on the OfficeMax website, before the application of GST
• Not to be used in conjunction with any other offer
• Subject to stock availability
• OfficeMax terms and conditions apply to any purchase of products via the Office Max website, including shipping fees (see www.officemax.co.nz/terms-and-conditions for more details)

Specific conditions relating to notices and disputes:

I may ask my bank to reverse a direct debit up to 120 calendar days after the debit if:

• I don’t receive a written notice of the amount and date of each direct debit from the initiator, or
• I receive a written notice but the amount or the date of debiting is different from the amount or the date specified on the notice.

I may ask my bank to reverse a direct debit up to 9 months after the date the initiator sent the first direct debit under the authority if I am not reasonably satisfied that the authority authorised my bank to debit my account with the amount of the direct debit.

No less than 2 business days' notice:

The initiator is required to give you a written notice of the amount and date of each direct debit no less than 2 business days before the date of the debit. If the bank dishonours a direct debit but the initiator sends the direct debit again within 5 business days of the dishonour, the initiator is not required to give you a second notice of the amount and date of the direct debit.

Notice of a series of direct debits:

The initiator is required to give a written notice of the amount and date of each direct debit in a series of direct debits no less than 10 calendar days before the date of the first direct debit in the series. The notice is to include:

• the dates of the debits, and
• the amount of each direct debit.

If the initiator proposes to change an amount or date of a direct debit specified in the notice, the initiator is required to give you notice:

• no less than 10 calendar days before the change.]

^See all terms

*15% off online products

The member offer cannot be used in conjunction with any other offer and is only available to Southern Cross Health Insurance members (excludes travel insurance, pet insurance and life insurance policyholders). The offer cannot be gifted to another individual or on sold. Shipping and freight charges may apply to each online order. Members must also agree to ecostore’s shopping terms and conditions when purchasing online.

^15% off products in store (flagship store - Scotland St, Auckland)

Excludes refills.

Your personal information will be held by Southern Cross Medical Care Society at Level 1, Te Kupenga,155 Fanshawe Street, Auckland City 1010 and used to contact you for the purpose of marketing its products and services to you. You have the right to access and request correction of any personal information held about you in accordance with New Zealand privacy laws.

^See all terms

Offer is available to Southern Cross Health Insurance members only (excludes Southern Cross travel insurance, pet insurance and life insurance policyholders).

At Southern Cross it’s important that we are doing the right things for our members and potential members, and we’ve been working on several changes to our policy documents around how we provide advice, our complaints process and clarifying what the consequences are for fraud.

Rest assured there is no change to your cover under your policy. You still receive the same benefits on your policy as before, but we have updated some parts of the policy documents to reflect our licensed financial advice provider status, and the way we protect against fraud. You can view your policy in My Southern Cross.

Financial advice

On Monday 15 March 2021, the Financial Services Legislation Amendment Act 2019 brings into effect a change in the way financial advice is regulated in New Zealand. This includes a requirement that financial advice providers have a licence issued by the Financial Markets Authority, and new duties that financial advice providers, and those that provide financial advice on their behalf, must comply with.

Southern Cross has a financial advice provider’s licence and our nominated representatives are here to give you advice about our health insurance products and to help you understand which of our plans best suit your specific needs and/or the needs of your family members. Find out more about the advice we are able to give you.

Clarifying consequences of fraud

As a not-for-profit Friendly Society that operates for the benefit of members, we need to make sure we’re protected in cases where a member is not truthful about their medical history or personal details or a claim they have submitted. We want to have confidence that when we pay claims for members, they’re genuine. We’ve made some wording changes to our policy documents to clarify the process we will follow to investigate suspicious claims and ensure that it’s clear that if anyone has lied or given us false information in respect to that claim, we have the right not to pay the claim.

Complaints resolution

We’ve also reviewed and updated our complaints process for you to follow should you ever be unhappy about our services, benefits or any financial advice provided. This is to ensure a robust process for resolution of complaints if you are ever dissatisfied. Find out more about our complaints process.

We’re here to help

If you have any questions relating to these changes, please contact us.

^See all terms

• Entry to the Healthy Choices event prize draw (the Competition) is open only to those who attend the Southern Cross Healthy Choices event at their workplace (the Event) and enter the Competition.
• To enter the Competition, entrants must play the Giant Operation game at the Event, collect a prize token from inside the game, and place it along with their completed entry form in an envelope and into the prize draw box located at the Event (the Box). Only one entry per person is permitted. 
• No purchase or fee is required to enter the Competition.
• The prize consists of one Fitbit Versa (RRP $349.95) (the Prize).
• The winner of the Prize (Winner) will be drawn at random from the entries placed in the Box by a Southern Cross representative (the Draw).
• Southern Cross’ decision is final. 
• The Winner will be contacted by email within one week of the Event. If Southern Cross is unable to make contact with the Winner within one week of the Draw, the Winner will forfeit the Prize and a new winner will be randomly redrawn and awarded at Southern Cross’ discretion.
• The Prize will be given to the Winner by the Southern Cross work scheme administrator (previously supplied to them) or at the Event by a Southern Cross sales representative).
• Southern Cross is not liable for any loss, damage or injury by any person in connection with the Competition.  
• The Prizes is non-transferable and not redeemable for cash. 
• By entering the Competition, the Winner agrees that Southern Cross may use their name and image for promotional purposes.
• Entry into this Competition is deemed acceptance of these terms and conditions.

^See all terms

Effective 27 September 2024

These are the terms and conditions that apply for Southern Cross Medical Care Society trading as Southern Cross Health Society (“Southern Cross”) 10% Healthy Lifestyle Reward discount (‘HLR’). In these terms and conditions, “we”, “us” and “our” refer to Southern Cross and “you” and “your” refers to the policyholder and any dependant named on the membership certificate.

Eligibility criteria for the discount
The HLR only applies to new Qualifying Members when they first join Southern Cross for up to 2-years on selected eligible plans (see below).

Qualifying Member
You’re considered a Qualifying Member if you meet all the following criteria:

• 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 as set out below.

Healthy lifestyle criteria:

• You haven’t smoked any substance, including e-cigarettes during the last 12 months.
• You eat at least 5 servings of fruit and vegetables a day.
• You exercise at least 5 days a week for 30 minutes or more.
• Either:
  Male - You drink 3 or less units of alcohol a day (21 per week)
  Female - You drink 2 or less units of alcohol a day (14 per week)

Eligible plans

• KiwiCare
• RegularCare
• Wellbeing One (including the Keeping Well Module, Body Care Module, Day-to-day Module and Vision and Dental Module)
• Wellbeing Two (including the Keeping Well Module, Body Care Module, Day-to-day Module and Vision and Dental Module)
• UltraCare
• SureCare Concessionary
• First Cover 1, all variations
• First Cover 2, all variations
• Wellbeing Starter

The Healthy Lifestyle Reward does not apply to the following plans and upgrades:

• HealthEssentials
• Critical Illness
• Cancer Assist
• Cancer Cover Plus (optional chemotherapy for cancer upgrade)
• Super99
• Sovereign99

How it applies to your premium

The 10% Healthy Lifestyle Reward applies to the individual base premium for Qualifying Members only. The base premium is the cost of the plan, any optional modules (if applicable) and after any adjustment for direct debit discounts and excess options.

The reward is applied from the date you joined or the policy renewal after you become eligible and lasts until the policy renewal following 2-years from your initial join date (‘Eligibility Period’).

Note: If you turn 21 years of age during the first 2-years from your initial join date, it will only apply on your next policy renewal for the remainder of your Eligibility Period.

Eligibility for the Healthy Lifestyle Reward following a change

1. If you transfer from a subsidised work scheme within 20 months from your initial join date, we may apply it for the remainder of your Eligibility Period.
2. If your policy transfers into a subsidised work scheme or you transfer to a non-eligible plan within 2-years of your initial join date, you will immediately cease to be eligible for the reward.
3. Any other change of group or transfer within 2-years of your initial join date, excluding clause 2 above, may result in eligibility being reviewed in light of any change to the plan or policy type, or other eligibility criteria.

General

1. Once your application for health insurance has been submitted, you will not be able to change your answers to the HLR questions.
2. Your HLR discount will be shown on your Policy Premium Chart.
3. You should review the Policy Premium Chart and contact us if the reward is not showing, and you have any questions about your eligibility.
4. Southern Cross reserves the right to vary these terms and conditions, or to suspend or terminate the reward at any time. When we make a change to these terms and conditions, it replaces any previous terms and conditions that applied. If a change to these terms and conditions or the eligibility criteria impacts your policy or premiums where you are currently receiving this reward, we will provide notice within 30 days using one of the following methods:
   - we may email or post a notice to the last known address of the policyholder (this might be through MySouthernCross); or
   - we may publish a notice on our website or in MySouthernCross.
5. The HLR discount cannot be transferred or redeemed for cash.
6. These terms and conditions are additional to your policy terms and conditions. Where there is a conflict between these terms and conditions and your insurance policy, the terms of the policy will prevail.
7. Southern Cross will collect, hold, use and share personal information about you and your dependants in line with our Privacy Statement and subject to the Privacy Act.

^See all terms

^ LES MILLS™ On Demand

• Offer not available in conjunction with any other offer. Not open to members with an existing annual subscription, a subscription that is affiliated with their fitness club, or to customers currently on a gift subscription.
• Members must be over 18 years of age and agree to the Les Mills On Demand Terms of Use.
• Members will be charged monthly in advance for their subscriptions. Members subscriptions will automatically roll over on a monthly basis, unless cancelled. Cancel any time.
• Members must only purchase Les Mills On Demand subscriptions for themselves and cannot gift subscriptions to another individual. Subscriptions cannot be on-sold or transferred, and will be considered void if this occurs.
• Offer is available to Southern Cross Health Insurance members only (excludes Southern Cross travel insurance, pet insurance and life insurance policy holders).

*Gym Membership

• Offer must be redeemed in person, not online. Offer not valid to current Les Mills members, or if you are a previous Les Mills member who terminated your Les Mills membership in the last 6 months. The Southern Cross member offer cannot be used in conjunction with any other Les Mills offer and is only available on a Les Mills Multi-club 12 month minimum-term commitment.
• Members must only purchase the Les Mills membership for themselves and cannot be gifted to another individual. Les Mills Membership cannot be on-sold or transferred and is void if on-sold.
• Additional charges will apply for Personal Training and Les Mills reserves the right to refuse entry on the grounds of minimum age (15) and health and safety. Offer subject to Les Mills standard terms and conditions for multi-club membership contracts.
• Offer is available to Southern Cross Health Insurance members only (excludes Southern Cross travel insurance, pet insurance and life insurance policy holders).

The following terms and conditions apply in respect to the Southern Cross Low claims discount

1. Definitions

1.1 In these terms and conditions:

‘Adult Member(s)’ means a Member paying an Adult Premium Rate.

‘Adult Premium Rate’ means the premium or subscription rate for members 21 years of age and over at their policy anniversary date or from time to time.

‘Calculation Period’ means the continuous period of two years membership as close as reasonably practicable (in accordance with Southern Cross Health Society business practice from time to time) prior to the calculation of premiums at the time of Policy Renewal.

‘Dependant’ means a Member who is noted on the Policyholder’s policy or membership as a dependant of the Policyholder in accordance with the Society’s Rules.

‘Eligible Member(s)’ means a Member on an Eligible Plan, paying Adult Premium Rates, who isn’t part of a subsidised group scheme, has at least two years continuous membership and claims history with Southern Cross Health Society coinciding with the Calculation Period, and who has the calculation for the low claims discount applied to their annual premium (except that from time to time group schemes can be otherwise included or excluded from the low claims discount scheme at our sole discretion).

‘Eligible Plan’ means a policy or plan to which the low claims discount scheme applies from time to time.

‘Member’ means a person who is an active current Member of Southern Cross Health Society in any capacity, including as a Policyholder or Eligible Dependant as defined by the Society’s Rules, and on an Eligible Plan.

‘Policy Renewal’ means annual renewal of a policy or any other relevant policy amendment notice from time to time.  For example, a change in circumstances including a change in plan type or leaving/joining a group scheme.

‘Policyholder’ means the principal Member who is noted on a Southern Cross Health Society membership certificate as the policyholder, to whom all official correspondence and invoices related to that membership will be sent.

‘Society’s Rules’ means the Rules of the Southern Cross Medical Care Society, as amended from time to time.

‘Southern Cross Health Society’ means the Southern Cross Medical Care Society, the operator of the low claims discount scheme.

‘Suspension’ means when a Member has been granted Southern Cross Health Society membership suspension for a fixed period of time not exceeding twelve months.

‘Thresholds’ means the aggregate amount of claims refunds including GST an Eligible Member can receive in the Calculation Period before they no longer qualify for the low claims discount (as varied from time to time).

1.2  Terms defined in the Society’s Rules, unless the contrary appears, similarly defined for these terms and conditions.

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2. Eligibility for the scheme

2.1 Entry into the scheme is free and automatic to any Eligible Member on an Eligible Plan.

2.2 Eligible Members are deemed to be bound by these terms and conditions.

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3. Getting a low claims discount

3.1 The calculation of the low claims discount for each Member is determined by the claims refunds paid to or on behalf of a Member during the Calculation Period and the Southern Cross Health Society  plan or policy held by the Member for the majority of the Calculation Period.

3.2 The threshold level applied at the time of calculation will be based on the Member’s age at their Policy Renewal date and the Southern Cross Health Society plan or policy as described in clause 3.1 above.

3.3 A Member is not eligible for the low claims discount unless they have had continuous membership and claims history on an Eligible Plan for at least two years corresponding with the Calculation Period.  Members who have suspended their policies, or whose policies have lapsed during that two-year period (including for non-payment of premiums) will be ineligible.

3.4 Southern Cross Health Society can change the Threshold values, percentage discounts, Eligible Plans and other eligibility criteria from time to time without notice.

3.5 The low claims discount and any rights they confer are personal to a Member and cannot be sold, transferred, assigned or otherwise dealt with by a Member or on behalf of a Member.

3.6 The low claims discount has no cash or monetary value that may be paid to a Member.

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4. Eligibility for low claims discount following a change in membership status

4.1 If a Member transfers into a subsidised group scheme (or any other group scheme excluded from the low claims discounts scheme) or transfers to a plan other than an eligible plan, they will immediately cease to be eligible for the low claims discount.

4.2 Any change of group or transfer by a Member, excluding clause 4.1 above, will result in that Member’s low claims discount eligibility being reviewed in light of any change to the plan or policy type, Thresholds or other eligibility criteria.

4.3 A Member transferring from one policy to another (i.e. an Adult Dependant or divorced spouse taking a separate policy) will have immediate eligibility for the low claims discount, provided they remain an Eligible Member on an Eligible Plan as defined in these terms and conditions.

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5. Amendment of low claims discounts

5.1 Southern Cross Health Society may alter a Member’s qualification for the low claim discount if an adjustment is required to correct any inaccuracy which would have resulted in the low claims discount being incorrectly applied.

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6. General

6.1 Southern Cross Health Society will inform Members whether they are eligible for a low claims discount for their coming period as part of their Policy Renewal.

6.2 Any disputes about the low claims discount must be notified to Southern Cross Health Society within one month of the Member receiving their Policy Renewal advice.  Otherwise, the low claims discount eligibility will be taken as correct and binding on the Policyholder and other Members noted on the Policyholder’s membership record. Disputes unless otherwise resolved will be dealt with as a dispute relating to a claim for a benefit under the Society’s Rules .

6.3 A Member shall be deemed to have forfeited any eligibility for a low claims discount they have earned if; (a) the Member ceases to be a Member of Southern Cross Health Society at any time; or (b) the Member ceases to hold an Eligible Plan; or (c) the Member ceases to have continuous cover with Southern Cross Health Society (including Suspension); or (d) the Member does not adhere to the Society’s Rules and suffers disciplinary action in terms of those rules.

6.4 Southern Cross Health Society reserves the right to vary these terms and conditions, or to suspend or terminate the scheme at any time without prior notice to Members.

6.5 Southern Cross Health Society may also at any time and without prior notice change the basis for calculating the Thresholds and / or the plans which are eligible for this scheme and / or the eligibility criteria for Members fixed in accordance with clause 3.1.

6.6 Southern Cross Health Society shall not be liable in any way for: (a) the suspension or termination of the scheme; or (b) any failure to notify a Member of any change in these terms and conditions; or (c) any change in the basis for earning the low claims discount; (d) any accidental failure or omission to give any notice or notification to any Member(s).

6.7 A notice shall be deemed to be given to a Member if it is posted to the last known address of the Policyholder.

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^See all terms

• Half price exam and x-rays are only available to new patients.
• Participating practices only and appointments are subject to availability.
• Offer cannot be used in conjunction with any other offer.
• Full payment is due at the time of appointment. 
• You must identify yourself as a Southern Cross Health Insurance member by presenting your Member card, app or membership number at the time of service to receive the discount.
• Discount will NOT be applied retrospectively, there are no exceptions to this condition. 
• Non-Participating Practices: Lumino Hutt City Dental Centre, Viva Dental, Ferrymead Dental Centre, New Plymouth (Lemon Street), Lumino Pearl, Leamington Dental, Plaza Dental Porirua, Silverstream, Dentistry on Merivale, Kerry Hamilton Dental, Smile Centre Hastings, Coastlands, Christchurch City, Harris Dental Christchurch, Morton Dentistry Christchurch, Knox Dental, Kawarau Park, Frankton Dental, Queenstown, Dental On The Shore, Mt Eden Village, Sanctuary Botany, St Heilers, Seddon Street, Waiuku, St Albans, On Cambridge, Chartwell, Rototuna, Havelock North, Feilding, Broadway Dental, Main Street, Manawatu Dental, Whitianga, Whanganui, Victoria Street, Courtenay Specialists, Symes de Silva and Wellington Central. Lumino Orthodontists Max & Beresford, Oral Surgery Associates, Harish Lala Endodontist, Ilam Orthodontics, Christchurch Oral and Maxillofacial Surgery Centre, KidzTeeth, Wellington Oral Surgery, PerioCARE, Henderson Periodontics & Implants.

1. The prize draw is open to Southern Cross members who receive an email invitation from Southern Cross inviting them to take part in any one of the following surveys - the Join survey, the Everyday Claim Survey, or the Renewal survey (each referred to as a “Survey”) and who complete and submit a response to that Survey during the period between 1st October 2024 and 31st December (“Promotional Period”) (“Eligible Member”).
2. No purchase or fee is required to be eligible to enter the prize draw.
3. Each Eligible Member will automatically be entered into the prize draw. Eligible members will be entitled to one entry into the prize draw for each different type of Survey completed and submitted during the Promotional Period. Where an Eligible Member has completed and submitted a particular type of Survey more than once during the Promotional Period, they will only be entitled to one entry into the prize draw.
4. Completion and submission of a response to the Survey during the Promotional Period is deemed acceptance of these terms and conditions.
5. Each Eligible Member will be entitled to win one of five prizes. Each prize comprises a Prezzy Card to the value of $100.
6. The prizes will be drawn on the 13th January 2025 and prize winners will be notified by email on Wednesday 15th January by email at the same email address that the invitation to participate was sent to. If Southern Cross is unable to get in contact with a prize winner within two weeks of the draw taking place, that winner will forfeit the prize. 
7. Employees or contractors (and their immediate families) of Southern Cross Healthcare Group businesses are not eligible to enter the prize draw.
8. Southern Cross’ decision is final, and no correspondence will be entered into. Southern Cross is not liable for any loss, damage or injury by any person in connection with the prize draw or the prizes.
9. The prizes are non-transferable and not redeemable for cash. The prizes are subject to availability and if unavailable will be replaced with similar prizes of an equivalent value.
10. Your personal information is being collected by Southern Cross Medical Care Society for the purpose of conducting and administering this prize draw.
11. Your personal information will be held by Southern Cross Medical Care Society, Level 1, Te Kupenga, 155 Fanshawe Street, Auckland 1010. You have the right to access and seek correction of any personal information Southern Cross holds about you.

^See all terms

1. The Prize Draw is open to Southern Cross Medical Care Society (“Southern Cross”) members who receive the member feedback survey email (“Email”) and complete the member feedback survey contained in the Email (“Survey”) between 4 December 2024 and 13 December 2024 (“Promotional Period”) (“Eligible Members”).
2. No purchase or fee is required to enter the Prize Draw.
3. Each Eligible Member will automatically be placed in the Prize Draw. Eligible Members will only be entitled to one entry into the Prize Draw.
4. Completion of the Survey during the Promotional Period is deemed acceptance of these terms and conditions.
5. The prize consists of one (1) $100 Prezzy Card (“Prize”).
6. The Prize will be drawn on 16 December 2024 and the Prize winner will be notified by 16 December 2024 by email at the same email address that the invitation to participate in the Survey was sent to. If Southern Cross is unable to get in contact with a Prize winner within two (2) weeks of the Prize Draw taking place, that winner will forfeit the Prize.
7. Employees or contractors (and their immediate families) of any of the Southern Cross group of businesses are not eligible to enter the Prize Draw.
8. Southern Cross’ decision is final, and no correspondence will be entered into.
9. Southern Cross is not liable for any loss, damage or injury by any person in connection with the Prize Draw or the Prize.
10. The Prize is non-transferable and not redeemable for cash. The Prize is subject to availability and if unavailable will be replaced with similar prize of an equivalent value.
11. Your personal information is being collected by Southern Cross Medical Care Society for the purpose of conducting and administering this prize draw. Your personal information will be held by Southern Cross Medical Care Society, level 1, Te Kupenga, 155 Fanshawe Street, Auckland 1010. You have the right to access and seek correction of any personal information Southern Cross holds about you.

^See all terms

1. Welcome to My Southern Cross and thank you for taking the time to read these terms of use, which apply in respect to your use of My Southern Cross and all information, services and applications we offer or provide on My Southern Cross (“My Southern Cross Services”).
2. For the purposes of these terms of use, "Southern Cross" means Southern Cross Medical Care Society. 
3. By accessing and using My Southern Cross you are deemed to have agreed to these terms of use.
4. The information contained on My Southern Cross is provided for the purposes of informing you about your Southern Cross health insurance plan including your level of cover and the benefits available under your plan, and enables you as a Southern Cross policyholder / member to undertake certain activities online, including but not limited to; enabling you to claim, apply for prior approval, view communications and update your contact details (as applicable).
5. By registering for My Southern Cross, you agree to receive all available policy related communications online through My Southern Cross. This includes any communications related to payments, like Direct Debit advice. We will let you know when a communication is available to view by notifying you by email. You can change this at any time in ‘My communication settings’.
6. While Southern Cross will endeavour to keep the contents of My Southern Cross up to date and accurate, we do not warrant or represent to you or any other person that such content is accurate or up to date at all times. 
7. Southern Cross will provide My Southern Cross and any My Southern Cross Services that you request with reasonable care and skill, however we do not represent or warrant that My Southern Cross or any My Southern Cross Service will: 7.1. operate on a continuous or fault-free basis or at any particular time or location; 7.2. be free of viruses or other harmful features (including any files displayed or obtained from or through My Southern Cross or the My Southern Cross Services or any website linked to it).
8. We will endeavour to have functionality to My Southern Cross and any My Southern Cross Service restored as soon as reasonably possible in the event of an outage or other technical fault. 
9. To the fullest extent permitted by law, Southern Cross and its officers and employees will not be liable whether in contract, tort (including negligence) or otherwise to you or any other person for any loss or damage (whether direct, indirect, consequential or special) arising directly or indirectly from any errors or omissions in the information contained in My Southern Cross or any My Southern Cross Service or any delay or interruption to or use whatsoever of My Southern Cross or My Southern Cross Service, or any failure to comply with clauses 7.1 or 7.2. We are also not responsible for the security of the environment that you choose to access your information.  
10. Except as expressly provided otherwise, Southern Cross or its suppliers own all copyright and other intellectual property rights in the information contained in My Southern Cross or otherwise connected with My Southern Cross or the My Southern Cross Services. No part of My Southern Cross or the My Southern Cross Services may be modified, reproduced, transmitted, stored or otherwise dealt with (including in any other website  or other electronic form) except as expressly provided for on My Southern Cross or with the prior written consent of Southern Cross, except that you may print, or download to your hard drive extracts from My Southern Cross for your own personal use.
11. While using My Southern Cross or any My Southern Cross Service you must ensure that:
    • 11.1. all information which you supply to Southern Cross is current, complete, accurate and provided in a timely manner;
    • 11.2. you comply with all applicable laws, regulations standards and codes;
    • 11.3. all security information (including any login, username, password or PIN) relating to you is kept confidential and not disclosed to any third party; and
    • 11.4. you notify us immediately of any actual or suspected unauthorised use of security information relating to you.
12. You accept you are responsible for your use of My Southern Cross and any My Southern Cross Service and you are liable for any costs, expenses and damages incurred as a result of any claim brought by a third party against Southern Cross arising from your use of My Southern Cross or any My Southern Cross Service or a breach of these terms of use. We may suspend or terminate your use of My Southern Cross or any My Southern Cross Service at any time in the event you breach these terms of use.
13. My Southern Cross may contain links to other third party sites. These sites are not under the control of Southern Cross, and Southern Cross is not responsible for the contents of any linked site or liable for any loss or damage (whether direct, indirect, consequential or special) suffered by you or any other person from accessing, using or relying on any linked site. The inclusion of any link in My Southern Cross  is provided as a convenience only and does not imply endorsement, recommendation or warranty by Southern Cross of the linked site or the products and services provided there or any association with its operators.
14. We may change the content of My Southern Cross and these terms of use at any time without notice, and any revised terms of use located on My Southern Cross from time to time will apply to your use of My Southern Cross or any My Southern Cross Service. 
15. For the avoidance of doubt, in the event of any inconsistency between the content on My Southern Cross  and the terms and conditions of our policies, the terms and conditions of our policies take precedence.
16. The contents of My Southern Cross have been prepared in accordance with New Zealand law. The contents of My Southern Cross are governed by New Zealand law and New Zealand courts have non-exclusive jurisdiction.
17. All dollar figures stated on My Southern Cross are in New Zealand dollars and include goods and services tax (unless otherwise stated).

If you have any questions, concerns or complaints in relation to My Southern Cross the My Southern Cross Services or these terms of use please contact us.

^See all terms

We collect, hold, use and disclose your personal and health information (“Information”) in accordance with our Privacy Statement. A summary of the key terms of our Privacy Statement is set out below. You can view our full Privacy Statement here. 

The Information we collect and hold about you and your dependants will be used:

• to consider your eligibility and the eligibility of your dependants for cover under this policy;
• to consider the specific terms applying to your policy;
• for administration purposes, such as billing and claims management;
• to consider whether any healthcare service is eligible for cover under this policy;
• to contact you (and your dependents) with information about products and services relating to us, other Southern Cross branded businesses, and our business partners;
• to prevent, detect and investigate any fraud or where in our reasonable opinion we suspect any fraud;
• to process, investigate and review any claims made and or paid (including historical claims).

We collect Information about you and your dependants directly from you. 

We may also collect Information about you (and each of your dependants) from your husband / wife or partner (provided they are named on your policy), health services providers and medical authorities, Southern Cross’ business partners and any third party authorised by you, and you and each of your dependants authorises this collection and the disclosure of such Information to such parties for the purposes as set out above and in full in our Privacy Statement.

We may need to disclose Information about you (and your dependants) to your husband / wife or partner (provided they are named on your policy), the relevant healthcare services providers, medical authorities or the third parties authorised by you, or any other party required by law, in relation to any of the purposes as set out above and in full in our Privacy Statement and you and each of your dependants named on your policy authorises us to disclose this Information.

All communications from us relating to you (or any of your dependants) will be sent to you. This means that information about each of your dependants will be sent to you and each of your dependants authorises this. 

If you or any of your dependants would like to access or correct Information that we hold about you (or any of your dependants), please email us at [email protected]

If you do not provide us with any requested Information for all individuals on your policy, it may delay the processing of your application or your claim, or may result in us not providing you or your dependants with cover until such information is provided.

^See all terms

1. Introduction

The MySouthernCross Mobile App is a facility established and maintained by Southern Cross Medical Care Society (Southern Cross/we/us/our) which may be accessed using your mobile device. Use of the MySouthernCross Mobile App initially requires the provision by you of your name, date of birth, contact details and policy number or member card number and a PIN number selected by you (together, Security Credentials).

These terms of use govern your access to and use of the MySouthernCross Mobile App including, if you are a Southern Cross policyholder who has registered to use MySouthernCross and your premiums are up to date, lodgement of claims and/or prior approvals in accordance with the terms of your policy.

These terms of use contain important information, including disclaimers and limitations of liability. Your use of the MySouthernCross Mobile App constitutes your acceptance of these terms of use.
The terms and conditions of your policy are contained in your policy document. You can view a copy of your policy document online at www.southerncross.co.nz. The terms and conditions of your policy (including benefits, limitations and exclusions) may change from time to time. For the avoidance of doubt, in the event of any conflict between the content of the MySouthernCross Mobile App and the terms and conditions of your policy, the terms and conditions of your policy take precedence.

We may change the content of the MySouthernCross Mobile App and these terms of use at any time without notice, and any revised terms of use located on the MySouthernCross Mobile App from time to time will apply to your use of the MySouthernCross Mobile App.

Other than any data charges incurred with your mobile service provider, there is no additional fee or charge for use of the MySouthernCross Mobile App.

Unless otherwise defined in these terms of use, terms used shall have the meaning given to them in your policy document.

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2. Service Descriptions

Southern Cross has the sole right to determine the extent of your access and the extent of services available via the MySouthernCross Mobile App.

Benefits function

The ‘benefits’ function displays the amount that is available to you to claim for eligible healthcare services based on your annual limits. An annual limit is the maximum amount you can claim in each claims year for an eligible healthcare service, or for the healthcare services within a particular category (e.g. Self-care services).

There may be other conditions or restrictions which apply to the benefits displayed. Please refer to your policy document.

Depending on your policy, some limits may be combined limits. For example, if you have a Health Essentials policy, you have a combined limit under the Self-care benefit towards healthcare services performed by an acupuncturist, registered massage therapist, chiropractor, osteopath, dietitian, nutritionist, physiotherapist and rongoā Māori practitioner.
Benefits indicated may not be accurate as claim limits are not updated in real time. Benefits are also not payable by Southern Cross until applicable stand-down periods have been served.

Reliance on the information displayed in the benefits function is entirely at your own risk. We suggest you contact us for more accurate information about your claim limits.

Claiming function (applicable to policyholders only)

You may submit a completed claim for eligible healthcare services received by any member covered under your policy through the MySouthernCross Mobile App. Make sure you include a legible photograph or scanned copy of the original itemised receipts which includes the date treatment was provided. We do not accept EFTPOS or credit card receipts. Please retain your original itemised receipts as we may request these be provided to us in order to assess your claim.

The mandatory claim fields must be fully completed and required declarations made to ensure your claim can be processed promptly.
If accepted, we’ll pay your claim refund to the bank account number you give us when you submit your claim.

Prior Approval function

You must apply for prior approval if the cost of your healthcare service is likely to be over $1000 or where any hospitalisation is required, unless you are using an Affiliated Provider. 

You may apply for prior approval through the MySouthernCross Mobile App, either for yourself or for another member on the same policy. You will need to provide estimated charges from your health care service provider for each health care service applied for.

If you apply for prior approval for yourself but you are not the policyholder, you acknowledge that information about that prior approval will be provided to the policyholder, as set out in the relevant policy document.

You should apply for prior approval using the MySouthernCross Mobile App at least five working days prior to the healthcare service being provided.  If the healthcare service will be provided sooner than 5 working days do not apply through the MySouthernCross Mobile App. Instead you must  call us on 0800 800181 to apply

If you do not apply for prior approval before using the healthcare service you will have to pay for the healthcare service yourself and then submit a claim, which will be processed in accordance with your policy.

Please note that some mobile devices will retain a copy of the photograph(s) you take of an invoice or costs estimate using the MySouthernCross Mobile App, and store it on your device (e.g. in the device’s photo gallery).

Member offers function

The member offers function displays offers and discounts available to Southern Cross Health Insurance members from our partners. Terms, conditions, exclusions and availability periods apply to all offers. Visit each offer for full details.

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3. Security

Some of the services require the use of a PIN number whether issued by Southern Cross or selected by you. You undertake to take responsibility for, and use your best endeavours to prevent, any unauthorised use of, and access to, your MySouthernCross Mobile App account and to protect your personal information and PIN number at all times. Your PIN number must remain confidential to you alone and you must take all reasonable steps to prevent disclosure of your PIN number. For example, you must:

• memorise your PIN number;
• not write down or save your PIN number anywhere in any form, including electronically, for example, in your mobile phone;
• not leave your mobile device unattended and logged in to the MySouthernCross Mobile;
• not disclose your PIN number to anyone (including the Police, Southern Cross staff or your family);
• take care to ensure no-one can see you enter your PIN number; and
• report the disclosure or possible disclosure of your PIN number to Southern Cross as soon as you are aware or suspect your PIN number have been disclosed.

Where you are required to select a PIN number to use the MySouthernCross Mobile App, the PIN number you choose must not be unsuitable. Unsuitable PIN numbers include:

• birth dates, months or years;
• sequential numbers (e.g. 3456);
• number combinations that may be easily guessed (e.g. 1111);
• parts of your telephone number; and
• other easily accessible personal data (e.g. drivers licence or other numbers easily connected with you).

In addition, you should consider using a different PIN number to access your mobile phone and other cards, bank services or equipment. We encourage you to change your PIN number on a regular basis.

You may be able to use any fingerprint or Face ID stored on your device as your preferred login credentials to access the MySouthernCross Mobile App instead of a PIN (‘Fingerprint Login’ or ‘Face ID Login’). Any person whose fingerprint or Face ID is stored on your device will be able to access your accounts through the MySouthernCross Mobile App. Accordingly, you must ensure that only your fingerprint or Face ID is stored on the device if you wish to use Fingerprint Login or Face ID Login. Fingerprint Login and Face ID Login details are stored on your device and not by the MySouthernCross Mobile App/Southern Cross, so we cannot verify the identity of any person who uses Fingerprint Login or Face ID Login to access your account from your device. You agree that you will be responsible for all actions on your accounts following successful Fingerprint Login or Face ID Login to the MySouthernCross Mobile App.

Please notify us immediately if you become aware of any unauthorised access to or use of your PIN number.

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4. Intellectual property rights

You acknowledge that all intellectual property rights (including copyright) in the content, layout, design, concept, graphics, software and organisation of the MySouthernCross Mobile App (Southern Cross Materials) is owned by or licensed to Southern Cross.

Southern Cross grants you a non-exclusive, non-transferable, revocable licence to download the MySouthernCross Mobile App and use the MySouthernCross Mobile App for your personal use in accordance with these terms of use. You may use the MySouthernCross Mobile App functionalities to perform services (eg, to check benefit levels and make claims) for yourself and any dependants covered by your policy (if you are the policyholder).

You may not otherwise copy or change the Southern Cross Materials, and must not adapt, communicate, sell, or otherwise deal with the Southern Cross Materials. You must not tamper with any copyright notice appearing on the MySouthernCross Mobile App or in Southern Cross Materials accessed via the MySouthernCross Mobile App. If you submit any information to us through the MySouthernCross Mobile App, Southern Cross will own all rights in the content that you submit.

"Southern Cross" and "Health Essentials" and all related graphics, logos and product and service names are trademarks (both registered and unregistered) of Southern Cross. These trademarks, logos and other proprietary graphics may not be used in connection with any other product or service without Southern Cross’ express prior written consent. You must not tamper with or commercially use any trade mark, logo or names (including business names and domain names) appearing on the MySouthernCross Mobile App or in materials accessed via the MySouthernCross Mobile App.

You acknowledge and agree that:

• you will not do anything to or which might hinder, impede, invalidate or challenge Southern Cross’ ownership of or entitlement to use or the registration of any part of the intellectual property or which might diminish the value of the intellectual property in the MySouthernCross Mobile App and/or Southern Cross Materials; and
• any use of the MySouthernCross Mobile App, including its content and services, other than as expressly permitted by these terms of use or by law, is not licensed and is strictly prohibited.

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5. Disclaimers

The MySouthernCross Mobile App is provided to you on an "as is" and "as available" basis, and may from time to time contain errors, faults and inaccuracies. Subject to the consumer guarantees provided for in consumer protection legislation, we make no representation and provide no express or implied warranty or guarantee about the security of the MySouthernCross Mobile App, the safety of any file or software associated with it (such as safety from any virus or defects including those which could damage or interfere with any data, software or hardware with which it might be used) or that access to the MySouthernCross Mobile App will be uninterrupted.

The content of the MySouthernCross Mobile App is general and provided for information purposes only. Subject to the consumer guarantees provided for in consumer protection legislation, we do not give any express or implied warranties or guarantees and make no representations in relation to the MySouthernCross Mobile App. In particular, while reasonable care is taken in its preparation, Southern Cross does not guarantee or warrant the accuracy, quality, completeness, reliability or currency of the MySouthernCross Mobile App (including any errors in or omissions from the content of the MySouthernCross Mobile App), or of any Southern Cross or third party websites, materials, information, products or services promoted or accessed via the MySouthernCross Mobile App, or their usefulness in achieving any purpose. You should make and rely on your own assessment and enquiries to verify the accuracy of the information provided.

Southern Cross does not provide telecommunications services and does not warrant that you will have continuous access to the MySouthernCross Mobile App or that it will be supplied fault free. Southern Cross will not be liable in the event that the MySouthernCross Mobile App is unavailable to you due to computer downtime attributable to malfunctions, upgrades, preventative or remedial maintenance activities or interruption in telecommunications supply. Southern Cross reserves the right to suspend or terminate the availability of the MySouthernCross Mobile App at any time.

You agree to access and use the MySouthernCross Mobile App entirely at your own risk. Any transaction you enter into with any advertiser or other third party appearing on the MySouthernCross Mobile App is solely between you and the advertiser or other third party. Southern Cross is not responsible or liable for any part of any such transaction.

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6. Limitation of liability

Subject to the consumer guarantees provided for in consumer protection legislation, Southern Cross and its officers, employees and agents accept no liability for any damage, loss, illness or injury (including any loss of profits or income, business interruption, and loss or corruption of data or other information) arising as a result of:

• your access to or use of the MySouthernCross Mobile App or websites or applications linked from the MySouthernCross Mobile App;
• the information on the MySouthernCross Mobile App, or on websites or applications linked from the MySouthernCross Mobile App, being incorrect, incomplete or misleading;
• any action or decision by you in relation to the information contained on the MySouthernCross Mobile App; and
• any delay, failure, malfunction or interruption in access to or use of the MySouthernCross Mobile App or websites or applications linked from the MySouthernCross Mobile App; and
• any other cause that may be considered to be beyond the reasonable control of Southern Cross.

You acknowledge that:

• you are responsible for and must take all reasonable care to ensure that information you supply via the MySouthernCross Mobile App is true, complete and accurate;
• Southern Cross accepts no responsibility or liability for the accuracy of, or failure to transmit, information requested by you as part of your use of the MySouthernCross Mobile App;
• you are aware of and accept the risks specifically associated with any breach of the security environment relating to your use of the MySouthernCross Mobile App (including, without limitation, the risk that third parties may gain access to your personal and/or health information which is confidential);
• Southern Cross has no authority to act for or to incur any obligation on behalf of any Mobile Operator;
• Southern Cross is at no time acting as an agent or partner of any Mobile Operator in providing the MySouthernCross Mobile App and no representation is made or given by Southern Cross that any such relationship exists; and
• neither Southern Cross nor the MySouthernCross Mobile App are regulated or authorised in any jurisdiction other than New Zealand and the MySouthernCross Mobile App is intended to be available only to New Zealand residents who are members of Southern Cross. Southern Cross gives no warranty that it is lawful for citizens or residents elsewhere to use the MySouthernCross Mobile App.

You agree to fully indemnify Southern Cross and its subsidiaries, partners, officers, employees and agents in respect of any loss or damage (including reasonable legal expenses) arising out of or in connection with:

• any loss, damage or liability resulting from any breach of security, including without limitation the use or misuse (whether fraudulent or otherwise) of your PIN number or confidential information;
• your use of the MySouthernCross Mobile App;
• any person using your PIN number to gain access to the MySouthernCross Mobile App; and
• any breach of or failure by you to comply with these terms and conditions.

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7. Privacy statement

We collect, retain, hold, use and disclose your personal and health information and other information submitted by you in the MySouthernCross Mobile App in accordance with our Privacy Statement. You can find our full Privacy Statement on our website, www.southerncross.co.nz/privacy.

If you are not a member of Southern Cross, Southern Cross will not collect any personal information or health information about you through your use of the MySouthernCross Mobile App.

If you are the policyholder of your Southern Cross policy and are using the Claims function:

• The claims function collects personal information and bank account details about each member named in a claim for the purpose of evaluating and administering the claim and for contacting you from time to time (using any contact details provided) with information about Southern Cross products and services.
• The intended recipient of this information is Southern Cross Medical Care Society.
• The information is being collected and held by Southern Cross Medical Care Society, Private Bag 3216, Waikato Mail Centre, Hamilton 3240, Freepost Authority 1440.
• If you fail to provide the information requested your claim may be declined.
• Each member named in the claims function has the right to access and request correction of this information in accordance with the Privacy Act 1993.

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8. Governing law

These terms and conditions are governed by the laws of New Zealand. Both you and Southern Cross irrevocably submit to the non-exclusive jurisdiction of the courts of New Zealand.

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9. Third party websites

Southern Cross may, from time to time, facilitate access to other web-based services delivered by third parties.

Southern Cross does not endorse or verify the accuracy of the content on any third party websites or applications. Southern Cross has no control over and is not responsible for the content of linked third party sites and does not endorse or make any representations regarding their suitability, content or accuracy. Your use of third party websites or applications is at your own risk and subject to the terms and conditions of use for such sites and the privacy policy applicable to any such site. Southern Cross is not responsible for and will not be liable in respect of any incorrect link to an external website.

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10.  End-User Terms Required by Apple

You acknowledge and agree that, if the MySouthernCross Mobile App used by you is an iPhone Application:

• these terms and conditions are between you and Southern Cross, and not Apple, Inc. (Apple);
• Southern Cross, and not Apple, is solely responsible for the MySouthernCross Mobile App and Apple has no responsibility whatsoever to furnish any maintenance and support services with respect to the MySouthernCross Mobile App;
• subject to the consumer guarantees provided for in consumer protection legislation , Apple will have no warranty obligation whatsoever with respect to the MySouthernCross Mobile App;
• Apple is not responsible for any claims that you have arising out of your use of the MySouthernCross Mobile App;
• Apple will have no responsibility whatsoever for the investigation, defence, settlement or discharge of any third-party claim that the MySouthernCross Mobile App infringes that third party’s intellectual property rights;
• you represent and warrant that: (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties; and
• Apple and its subsidiaries are third party beneficiaries of these terms and conditions and, upon your acceptance of these terms and conditions, Apple will have the right (and will be deemed to have accepted the right) to enforce these terms and conditions against you as a third party beneficiary.

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11. Questions

Please phone us on 0800 800 181 if you have any comments or questions regarding the MySouthernCross Mobile App or these terms of use.

^See all terms

15% Off* Full Priced Eyewear, Apparel, Accessories & Footwear

• 15% off selected full priced Eyewear, Apparel, Footwear & Accessories at Oakley stores in New Zealand
• Applicable discount is on the full selling price.
• Offer exclusively available for Southern Cross Health Insurance members only.
• Discount is applied in store at check out with valid membership card or My Southern Cross App.
• Offer excludes travel insurance, life insurance and pet insurance policy holders, selected limited edition, exclusive styles, special collaborations, selected limited edition, Kato, Kato X, Encoder, SubZero, Kaast Collection, Oakley Custom Product and Prescription Lenses.
• Discount is not available on gift cards, accessories, or any product other than selected eyewear, apparel, footwear, and accessories.
• Offer cannot be exchanged for cash.
• Not to be used in conjunction with any other offer, discount, or benefits.
• Offer is valid from 1 January 2023 and end 31 December 2023.
• While stocks last.
• Designs, colours, styles, and sizes may vary in store and online.

^Free eye test

• Offer applicable on a standard eye test at OPSM and includes a standard digital retinal scan (excludes contact lens examinations).
• Subject to appointment availability.
• More comprehensive retinal scans are available.
• More comprehensive scans will incur an additional fee.
• Offer only available for redemption once per year.
• Offer not transferable.
• Offer available for Southern Cross Health Insurance members only (excludes travel insurance, life insurance and pet insurance policyholders) on presentation of your virtual member card in your My Southern Cross app in store.
  
   

*Standard discount (available year round)

• 15% off lenses and lens extras: Customer must have a valid optical prescription. Customer may be required to undergo an eye test (fees may apply) prior to redemption of offer if prescription is not valid. 
• 10% off contact lenses: Customer must have a valid contact lens prescription. Customer may be required to undergo contact lens consultations (fees apply) prior to redemption of offer if prescription is not valid. 
• 30% off safety glasses. 
• 15% off non-prescription sunglasses.  Offer excludes Chanel, Oliver Peoples, Dior, Cartier, Celine, Maui Jim, Ray-Ban Stories, Oakley KATO collection, Oakley Encoder and Titanium.
• Available for Southern Cross Health Insurance members only (excludes travel insurance, life insurance and pet insurance policyholders) on presentation of your virtual member card in your My Southern Cross app in store.
  
   

General conditions for all brands:

• Offers not transferable.
• Only one discount per item. Offers may not be used in conjunction with any other offer, discount or benefit (in the event that more than one discount offer is available for a particular item, the higher discount will apply). 
• Offers exclude eye exams (other than standard eye test or digital retinal scans and eye exam technology, contact lens consultations, Eyewear Protection Plan, packages, 3rd party contracts, safety certification fee and gift cards.

• Discount is off the total purchase price.
• Offer excludes value pita range and kids menu.
• Not valid in conjunction with any other offer.
• Not available on Uber Eats or any other delivery platform.
• Available for Southern Cross Health Insurance members only (excludes travel insurance, life insurance and pet insurance policyholders) on presentation of your virtual member card in your My Southern Cross app in store.

I authorise you until further notice in writing to charge my credit card with all the amounts due on my Southern Cross Medical Care Society account from time to time, on or after the payment due date.

Your credit card will be charged on a payment date determined by us. We'll give you at least 10 days written notice prior to your first payment, by sending you an invoice / statement. To help us, please ensure you submit this authority at least 15 days before your first payment is due. If we don't receive this from you in time or if we're unable to process your request in time, your first payment may occur on another payment date determined by us and the first payment may include more than one billing period. If you were previously paying by credit card your payment date won't change.

We will automatically adjust the payment amount when changes happen to your policy and notify you in advance of the payment date and amount. You may terminate this authority for future payments by giving us formal notice. Where a request to terminate has been received, we will try to cancel future payments as soon as we can but there may be circumstances where we are unable to do this until after the next scheduled payment.

You are responsible for updating your credit card details when you change credit card issuers or receive a replacement credit card with a new card number. You can update your details anytime using My Southern Cross.

If you are making a one off credit card payment, you agree that Southern Cross Medical Care Society can charge the amount entered in the ‘Amount to pay’ window to your credit card.

^See all terms

When you use any social media channel hosted or established by Southern Cross Medical Care Society (“SCHS”), including Facebook, Instagram, YouTube and LinkedIn or any similar social media platforms ("Social Media"), you agree to do so in accordance with these Social Media House Rules ("Rules").

1. Privacy and Personal Information

1.1 SCHS’ Member Privacy Statement is available here ("Privacy Statement"). SCHS may from time to time publish an amended Privacy Statement located here. The applicable Privacy Statement will be the most current published version.

1.2 By accessing or using Social Media, you accept and agree to comply with these Rules and you agree that personal information supplied by you in connection with your use of Social Media may be collected, stored, handled, used and deleted in accordance with SCHS’ Privacy Statement.

2. About your contribution / posts

2.1 SCHS values opinion and debate, but everyone deserves respect. SCHS has zero tolerance towards abusive or offensive activity. If things get heated or personal SCHS will remove posts. Multiple offenders will be blocked.

2.2 Personal information posted to any social media platform, forum or website, including Social Media, becomes public information. Please bear this in mind and exercise caution when posting or contributing information to Social Media. Please share your thoughts and comments with us but never post personal, financial or account details or details about a policy or claim (whether yours or someone else’s).

2.3 SCHS will never ask you to provide personal, financial or account details via Social Media.
An administrator may request a telephone or email contact from you via a private
message function if a customer service representative is required to contact you to resolve a query. If you have concerns about any person asking for or providing such personal information via Social Media please notify us by email at [email protected] or by telephone on 0800 800 181.

2.4 SCHS will endeavour to respond to queries posted on Social Media within 24 hours on business days in Auckland, New Zealand ("Business Days"). SCHS will endeavour to respond to queries posted on weekends or holidays on the next Business Day.

2.5 SCHS may review and remove any content or contribution at any time and for any reason, without giving any notice.

2.6 The following standards of behaviour must be followed when using Social Media:

2.6.1 Contributions must be civil and tasteful.

2.6.2 No disruptive, offensive or abusive behaviour: contributions must be constructive and polite and not mean-spirited or contributed with the intention of causing trouble.

2.6.3 No unlawful or objectionable content: material which is or may be construed or interpreted as being threatening,  unlawful, discriminatory,  degrading, menacing,

2.6.4 You may not submit or share any defamatory or illegal material of any nature on Social Media, including text, graphics, video, programs or audio.

2.6.5 Contributing material to Social Media with the intention of committing or promoting an illegal act is strictly prohibited.

2.6.6 Scandalous,  inflammatory,  blasphemous, harassing,  defamatory,  indecent, seditious, offensive, pornographic, abusive, harmful, obscene, profane, sexually oriented, liable to incite racial hatred or otherwise objectionable, material contributed in breach of confidence, or in breach of privacy, is not acceptable.

2.6.7 No criminal offences: conduct which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of, or infringe the rights of any third party in, New Zealand, Australia or any other country in the world, is prohibited.

2.6.8 No spamming or off-topic / irrelevant material: SCHS don't allow the submission of the same or very similar contributions many times. Please don't re-submit your contribution to more than one discussion, or contribute off-topic material in subject-specific areas.

2.6.9 No financial advice: You must not give financial advice or post or submit any material which could be considered financial advice or engage in any other financial service (For example, by providing a recommendation or a statement of opinion (or a report of either of those things), intended to influence a person(s) in making a decision or an interest about or in a particular financial product or class of financial products, or which could reasonably be regarded as being intended to have such an influence).

2.6.10 Not engage in false, misleading or deceptive conduct: you must not engage in false, misleading or deceptive conduct or post or submit any false, misleading or deceptive information or any other information or material which could contribute to damaging the name, brand and/or reputation of SCHS (or any of its affiliated or related entities) or any other third party individual or product/service.

2.6.11 No advertising or promoting or posted / contributed with the intention to sell a product / service.

2.6.12 Contributions containing languages other than English may be removed.

2.6.13 No impersonation.

2.6.14 No inappropriate (e.g. vulgar, offensive etc) user names.

2.6.15 URLs (web site addresses): it may be possible for you to include links to other websites in a post or message.  For the avoidance of doubt, SCHS is not responsible for the content of third party web site addresses. Third party websites may have different privacy policies and terms of use to SCHS and users should make themselves familiar with those policies / terms and comply with them where relevant. Third party websites must be suitable for all users and must not contravene these Rules. You should only include links to other websites where you are not prohibited from doing so by the terms of the rules governing the relevant third party websites

2.6.16 You must not post, transmit to or submit via Social Media any material that is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

2.6.17 Misuse: you must not misuse Social Media (including, without limitation, by hacking and/or accessing or attempting to access the accounts of other users).

2.6.18 You must comply with all rules, terms of use and service, applicable policies and similar obligations that apply to the social media platform via which you access or use any Social Media.

2.6.19 Licences: you must obtain all necessary licences and/or approvals.

3. Intellectual Property 

You will submit to or share with Social Media only contributions which are your own original work. You must not infringe the rights of SCHS or any third party including intellectual property rights, privacy, personal or proprietary rights.

4. Children

4.1 If you're under 18:

4.1.1 You must obtain a parent or guardian's permission before taking part in any Social Media.

4.1.2 Never reveal any personal information about yourself or anyone else (for example, school name, telephone number, your full name, home address or email address).

5. Your Social Media Platform Accounts

All social media platform accounts must be established with a valid personal email address that you access regularly so that SCHS can contact you.

6. Safety

SCHS strongly recommend that you never reveal any personal information about yourself or anyone else (for example, telephone number, postal address, home address or email address) or any other details that would allow you to be personally identified.

7. Exclusion of liability

7.1 Social Media may contain hyperlinks to other websites owned or operated by third parties or references to third party products or services. SCHS is not responsible for, and makes no recommendation about, the content or accuracy of third party websites or the suitability or performance of any third party product or service. The inclusion of a reference to a third party or any third party product or service on social media does not imply that SCHS endorses the website or third party product/service.

7.2 Whilst SCHS uses reasonable endeavours to ensure the content on its Social Media is accurate, not misleading and does not breach any laws, except where not able to be excluded by law, it does not accept any liability in respect of any breach in this regard. 

7.3 Information posted on Social Media may be updated or deleted at any time by SCHS. 

7.4 Content posted on Social Media is general information only and does not take into account the health or personal circumstances of a particular individual or class of persons. Where health, medical and/or lifestyle information is provided on Social Media it is not a health service, or provided by or intended to substitute the expertise and judgment of a health practitioner. We always recommend you seek the care of an appropriate health practitioner for any advice, investigations, diagnosis and treatment of any health, lifestyle and medical related issues and concerns you may have.

7.5 Contributions and/or posts by third parties do not necessarily represent the opinions and/or views of SCHS. 

8. Product information

For further information about SCHS’ products and services (including policy terms and conditions) or to get a quote please visit here.

9. If you breach these Rules

9.1 If you fail to abide by these Rules when contributing to Social Media, your contribution may be refused, edited or deleted.

9.2 You may be contacted to explain why your contribution has been refused, edited or deleted.
You may also be given a warning that continuing to breach the Rules may result in action being taken against your account or accounts.

9.3 This action may include any content posted by you being checked before being posted or a temporary or permanent suspension of your ability to participate in any or all of the Social Media.

9.4 If you submit or share offensive or inappropriate content to or with any Social Media, SCHS may use whatever information is available to it about you to stop any further such infringements. This may include informing relevant third parties such as your employer, school or email provider about the infringement(s).

9.5 SCHS reserves the right to monitor, suspend, restrict or terminate your access to Social Media or to monitor, suspend, remove, destroy, copy or use any content that is posted on Social Media (of any nature and however it may have been inserted or posted) at any time without notice at SCHS’ discretion. SCHS reserves the right to take action against any SCHS Social Media account, at any time, for any reason.

9.6 SCHS reserves the right to amend these Rules at any time. Any such amendments become effective immediately upon publication on SCHS’ website here.

10. Safe harbour process

10.1 If you have a complaint about any illegal or harmful content that has been posted by a third party about you on SCHS’ Social Media please complete and submit the form attached here. Alternatively, you can email us at [email protected], please include all of the relevant details from the Notice of Complaint Form.   

10.2 We will acknowledge receipt of the form / information and notify you of the action taken as soon as we are able to. 

^See all terms

• The 10% member discount on base premium applies for the duration of your life insurance policy and only while you’re a Southern Cross Health Insurance member.
• Underwriting platform, terms, conditions, exclusions and limits apply. For full details of the policy terms and conditions, the policy wording may be downloaded here or call us on 0800 000 200 for a printed copy. Southern Cross Life Insurance is provided and underwritten by Chubb Life Insurance New Zealand Limited (‘Chubb Life’).

^See all terms

Half price eye health check

• Applies to standard eye tests only, normally valued at $60, for just $30. 
• Includes an advanced 3D eye scan as part of the standard eye test, at no extra charge.
• Excludes contact lens examinations and visual field checks. 
• Offer only available once a year per eligible member.

25% discount for Southern Cross Members

• Standard Discount (available year round) - Southern Cross Health Insurance members receive 25% off one pair of glasses from the $169 range or above. 
• Can only be redeemed in store upon presentation of a Southern Cross Member Card. 
• Single-vision lenses only. 
• Upgrades include other lens types and any lens options. 
• Use with other offers restricted.
• Excludes reglazes and safety eyewear.

Offer is available to Southern Cross Health Insurance members only (excludes Southern Cross travel insurance, pet insurance, and life insurance policyholders). Discount only available on the following courses: Child First Aid Course (4.5 hours) NZQA credits 25459, First Aid Level 1 (8.5 hours) NZQA credits 6401,6402, First Aid Level 2 (12.5 days) NZQA credits 6400, 6401, 6402, First Aid Refresher Course (6.5 hours) Mental Health First Aid (8 hours).

15% off selected full priced sunglasses

• 15% off selected full priced sunglasses at Sunglass Hut stores in New Zealand
• Applicable discount is on the full selling price.
• Offer exclusively available for Southern Cross Health Insurance members only.
• Discount is applied in store at check out with valid membership card or My Southern Cross app. 
• Offer excludes travel insurance, life insurance and pet insurance policy holders, selected limited edition, exclusive styles, special collaborations, CHANEL, Oliver Peoples, Dior, Cartier, Maui Jim, Oakley Kato, Oakley Kato X, Oakley Encoder, Oakley Kaast Collection, Oakley Subzero, Oakley Goggles and Ray-Ban Remix. Online only exclusions: Persol Dolce&Gabbana Collaboration, Persol Steve McQueen Collaboration, Costa Del Mar Pro Series and selected online only sunglasses.
• Discount is not available on gift cards, accessories, or any product other than selected sunglasses.
• Offer cannot be exchanged for cash.
• Not to be used in conjunction with any other offer.
• Offer is valid from 1 January 2023 and end 31 December 2023.
• While stocks last.
• Designs, colours, styles, and sizes may vary in store and online.