You may be able to request a review of certain pre-existing conditions that have been excluded from cover. This may include conditions where:
The above criteria are a guide only as to the circumstances we will consider when reviewing a pre-existing condition, and that not all pre-existing conditions will be open to review. Please contact us to find out more.
If your pre-existing condition is eligible for review, we’ll need you to provide us with appropriate medical documentation so we can decide whether it can be removed or amended. We’ll be in touch to let you know what documentation we need.
Once we’ve received that documentation, we'll decide, acting reasonably, whether to remove or change the exclusion related to your pre-existing condition, and we’ll let you know our decision. If we decide to remove or change the exclusion, related to your pre-existing condition, we'll send you an updated membership certificate reflecting these changes in your cover.
Please get in touch if you’d like to know more about the review process, how to initiate a review and what documentation we’ll need.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) is a licensed insurer and a licensed financial advice provider. For more information about the financial advice service we provide and a copy of our public disclosure statement please visit southerncross.co.nz/disclosure-statement.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Limited. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at www.spglobal.com/ratings/en/about/intro-to-credit-ratings. Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.
