Why choose us?
Health insurance with a difference, we put people before profits
As a not-for-profit Friendly Society, our top priority is our members’ health and wellbeing. It’s been our guiding principle since we were founded in 1961.
In the year to 30 June 2024, 93% of the money we received in premiums went back to our members for their healthcare1 and 71% of the value of all health insurance claims paid in New Zealand were paid by us2 Maybe, that’s why New Zealanders have voted us the most trusted health insurer for eight years running3.
Great membership benefits to help you prioritise your health
As a Southern Cross member, you’ll get even more benefits to improve your health and wellbeing, at no extra cost (Subject to change. Terms and conditions apply).
Online GP consultations
Southern Cross members can access online GP consultations with CareHQ between 7am and 7pm, 7 days a week when booked through the MySouthernCross app. Get the care you need when you need it.
Online mental health sessions
One of the findings of the 2024 Southern Cross Healthy Futures reports was that 82% of New Zealanders are concerned about their mental health. We’re making it easier for members to access counselling and wellbeing coaching, with Southern Cross members able to access up to three online mental health sessions each claims year.
Annual health check
Early diagnosis can be a game changer when it comes to healthcare. All members 16 years and over can have an annual health check with a MedPro nurse to identify concerns early and get tailored advice about improving their overall health.
Discounts and rewards
Save on wellbeing services like eye and hearing tests, dental treatments and gym memberships. You may also qualify for discounts on your premium for healthy living, low claims, or for paying by direct debit. Discount and member offer terms, conditions and exclusions apply. See member discounts and offers.
Easy claiming process
On average, we pay a claim within seven working days of receiving it. Our My Southern Cross app means it’s never been easier to make a claim. We also have over 3,000 Easy-Claim partners who help members claim for eligible healthcare services at the time of purchase without completing a claim form. And over 2,000 Affiliated Providers who can handle the claim on your behalf, arranging prior approval.
Discover our plan options and choices
Whether you want peace of mind about major medical expenses or day-to-day health costs, we have a range of plans that will work hard for you and your family.
Many members, many health journeys
See the true value of having Southern Cross health insurance for yourself.
Kaitlyn’s Southern Cross membership gave her the freedom and flexibility to fit in sinus surgery around her busy life as a working mum and business owner.
Renata is a firm believer in health insurance being used proactively to ensure a better quality of life for her family.
Amidst his second cancer journey, father-of-two Randall actively sought out a team of health professionals to improve his recovery.
Take the next step
Interested in Southern Cross health insurance? Here are three ways to take the next step.
Need more help in finding the right health insurance for you?
Call us on 0800 100 555
Our team are happy to help:
Monday to Thursday 9:00am - 5:00pm
Friday 9:00am - 4:30pm
- Southern Cross Medical Care Society Annual Report 2024
- Based on data provided by the Financial Services Council year ended 30 June 2024, including an estimate for nib.
- Reader’s Digest Most Trusted Health Insurance Brand, 2017-2024.