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Southern Cross: Health Insurance

Southern Cross VIP is a health insurance plan covering surgery and medical treatment in hospital, with optional add-ons for specialist consultations, diagnostic imaging, prescription costs, and dental and optical care, giving New Zealanders access to private healthcare when they need it.

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1961
Founded in NZ
A+ (Strong)
Financial strength
NZ owned
NZ not-for-profit

It’s important to get health insurance cover to help protect you and your family from unexpected healthcare costs. Health insurance also gives you the peace of mind that you can get access to treatment when you need it.

Why get health insurance?

  • It gives you options so you can get treatment for qualifying medical treatment quickly.
  • It helps you avoid public hospital waiting lists.
  • It gives you more choice over when you have treatment.

Southern Cross’ plans provide a range of flexible options, offering your clients the freedom to decide what they need in a health insurance policy. The following health insurance plans are available through financial advisers.

VIP includes cover for surgery and medical treatment in hospital and can be enhanced by adding cover for specialists, imaging and tests, doctor and prescription charges, and dental and optical costs. Excess options can reduce the premium costs

FAP licensed IFSO member 4.8 (35 reviews)
Easy to understand, easy to decide.

Common questions about Southern Cross health insurance

Will my premiums go up each year?

It depends on what policy you select. Traditional stepped premiums do increase each year on your policy anniversary. Level premiums do not increase with your age for a specified period of time.

Am I locked into the cover for a certain period?

No. If you cancel your policy in the first 14 days your premiums will be refunded. After the 14 day free look period you are able to cancel your cover at any time.

How can I pay my premiums?

You can choose your method of payment you prefer e.g., Credit card, monthly Direct Debit or Cheque.

Do I have to pay on fortnightly basis?

No. You can choose your payment frequency i.e. weekly, fortnightly, monthly or on an annual basis.

Are medical tests required?

In most cases no medical tests are required. Each application is considered on an individual basis. If you are required to undergo any medical test they will be paid for by the insurance provider and at no cost to you.

Can I apply directly with the insurance providers for cheaper cost?

No. Most insurance providers prefer to work through intermediaries like us rather than dealing directly. We don’t mark up policies. In fact, we guarantee your premium is the same as going direct.

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