Payment options

Options for paying your premiums

We’re always looking for ways to help make your membership with us as easy as possible. We offer three payment options to most Southern Cross members:

• Direct debit, or
• Credit card, or
• Payroll deduction if you have Southern Cross health insurance in your workplace. Please check with your employer.

If you’re an existing member you can check this in MySouthernCross.

Paying by direct debit

Most members find direct debit the most convenient option. Advantages of direct debit include:

• Premiums are paid automatically every week, fortnight, or month. The choice is yours.
• Once set up, you don’t need to do anything else to pay your premium. We’ll notify you if the amount of direct debit changes before your next payment
• You’ll receive a 2.5% discount on your premium. This discount does not apply if your policy is part of a work scheme and it's not available on Cancer Cover Plus. The Direct Debit Discount full terms and conditions apply and are subject to change, read more here.

How to set up direct debit for new members

You can set up your direct debit authority:

• When applying online, or
• Calling us on 0800 100 777, or
• Downloading the direct debit form and sending the completed form to the address at the top of the form

How to set up direct debit for existing members

If you are an existing member, you can set up or manage direct debit payments in MySouthernCross. If you have any problems setting up your direct debit please call us on 0800 800 181.

If you're an existing member and want to pay for Cancer Assist or Critical Illness by direct debit, you will need to set this up by calling us on 0800 800 181.

Please note: It’s important to be aware of your regular payments. If you miss three payments in a row, your direct debit will be put on hold. If we haven’t received any premium from you for three months, your policy will be cancelled.

Paying by credit card

We also offer recurring credit card payments, which is a regular payment made using your credit card. We accept Visa, Mastercard and American Express.

How to set up recurring credit card for new members

You can set up your recurring credit card payment:

• When applying online, or
• Calling us on 0800 100 777

How to set up recurring credit card for existing members

If you are an existing member, you can set up or manage recurring credit card payments in MySouthernCross.

If you're an existing member and want to pay for Cancer Assist or Critical Illness using your credit card, you will need to set this up by calling us on 0800 800 181.

Please note: If your payment fails for any reason, we will let you know that the payment was missed. If you miss three months in a row, your recurring credit card payments and policy will be cancelled.

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.