*Benefits vary between plans. For full details, see the policy document for the relevant plan.
1. Reader’s Digest Most Trusted Health Insurance Brand, 2017-2025. 2. As at 30 June 2025. 3. Reader’s Digest Quality Service Award, Health Insurance winner 2025.
As a member driven health insurer, we put your health and wellbeing first.
Here’s why more than 951,00002 New Zealanders choose to be with Southern Cross Health Society.
100% NZ owned and not-for-profit
Faster access to treatment
Fast, simple claiming
Special rewards, discounts and great partner offers
Award winning service, as voted by you3
Manage your policy online – anywhere, anytime
The My Southern Cross app is your pocket-sized healthcare partner. Check benefit balances, request prior approval and make instant claims whenever, wherever.
*Only registered policyholders can make claims or request prior approvals
The no hassle company!
”Always a supporter of Southern Cross. The no hassle company!”
Helpful and knowledgeable
“Great information, great helpful and knowledgeable service. Great cover and easy to understand and make claims.”
Pays back claims quickly
“Always responsive, pays back claims quickly, and friendly customer service!”
The no hassle company!
”Always a supporter of Southern Cross. The no hassle company!”
Use our quick and easy plan comparison tool to find the right cover for you and your family.
We have a range of health insurance plans and wellbeing modules that offer different benefits. You can also add family members to your health insurance policy and protect your whole family. Get the right cover today.
It’s easy for policyholders to claim with a number of options available.
Claims are paid directly to the provider through Easy-claim and Affiliated Providers, or you can claim online or use the My Southern Cross app. You can also apply for prior approval to enjoy peace of mind knowing that you’re covered.
Designed with members, for members – it’s super-fast, easy and secure.
My Southern Cross is a secure, online service that makes using your health insurance easy. If you’re a member on a policy, there’s also more options and features for non-policyholders so you too can manage your policy 24/7 with My Southern Cross.
Find a health professional that suits your needs.
Look up a doctor, specialist or medical facility that is contracted to provide Southern Cross members with certain healthcare services at agreed prices.
With a Southern Cross plan, you can access member offers such as discounts on wellbeing services like eye and hearing tests, dental treatments and gym memberships.
This is made possible because we focus on the needs of our members, without the need to return profits to shareholders. That means most of the money we receive in premiums goes back to our members. It’s just another way we are with you.
We’re committed to making sure you get the most out of your membership with Southern Cross – even if you don’t need to make a claim.
You may qualify for discounts on your premium, as well as receiving exclusive member discounts from other Southern Cross Group businesses. We’ve also got some great offers from our healthcare partners – make sure your email address is up to date in My Southern Cross, so you can hear about our latest offers.
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.
