Our health insurance plans

Health insurance designed with New Zealanders in mind

Whether you're after health insurance to cover major medical expenses and specialist consultations, or everyday cover for those day-to-day medical expenses, Southern Cross Health Insurance is here to help.

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. Our child rates apply up to 21 years old, and we offer discounts for larger families too.

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Shared day-to-day health plan

HealthEssentials

HealthEssentials is a shared day-to-day health cover plan to help you actively manage your health:

This plan covers up to 75% of the costs incurred for eligible day-to-day healthcare services. Policy terms, conditions and exclusions apply, including a 3-month stand-down period for dental care and eye care benefits*
Cover includes GP and nurse services, dental, prescription glasses, physiotherapy and more

Find out more

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Surgical and healthcare plans

We’ll cover either the actual charges or the reasonable charges incurred for an eligible healthcare service, up to the policy limits and subject to any excess. Eligibility criteria may apply and some healthcare services must be performed by an Affiliated Provider.

Wellbeing One

Wellbeing One is a surgical and healthcare plan that includes cover (subject to policy terms and conditions*) for:

Specialist consultations within 6 months of related eligible cancer treatment or surgical treatment
Diagnostic imaging and tests within 6 months of related eligible cancer treatment or surgical treatment
Cancer treatment
Surgical treatment
Recovery services within 6 months of related eligible cancer treatment or surgical treatment
Support services
Allergy services
GP visits, prescriptions, physiotherapy, and hearing tests
IV infusions (non-cancer)
Overseas treatment allowance
Psychologist and psychiatrist consultations
Skin lesion services
Surgical allowances

Find out more

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Wellbeing Two

Wellbeing Two is a surgical and healthcare plan which includes cover (subject to policy terms and conditions*) for:

Specialist consultations at any time
Diagnostic imaging and tests at any time
Cancer treatment
Surgical treatment
Recovery services within 6 months of related eligible cancer treatment or surgical treatment
Support services
Obstetrics allowance (after one year of continuous cover)
Allergy services
GP visits, prescriptions, physiotherapy, and hearing tests
IV infusions (non-cancer)
Overseas treatment allowance
Psychologist and psychiatrist consultations
Skin lesion services
Surgical allowances

Find out more

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We’ll cover either the actual charges or the reasonable charges incurred for an eligible healthcare service, up to the policy limits. Eligibility criteria
may apply.

UltraCare 400 provides the same cover as the UltraCare plan, with extra cover for prescription glasses, prescription contact lenses and dental treatment.

UltraCare and UltraCare 400

UltraCare and UltraCare 400 are surgical and healthcare plans for those who want the highest level of cover. They include cover (subject to policy terms and conditions*) for:

Surgical Treatment
Recovery services, including physiotherapy*
Obstetrics allowance (after one year of continuous cover)
Day-to-day healthcare services (like GP services)
Specialist consultations at any time
Cancer treatment
Support services
Psychologist and psychiatrist consultations
Allergy services
GP visits, prescriptions, physiotherapy, and hearing tests
Diagnostic imaging and tests at any time
IV infusions (non-cancer)
Overseas treatment allowance
Skin lesion services
Surgical allowances

Find out more

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Shared cover surgical and healthcare plans

We have two shared cover plans: KiwiCare and RegularCare. Shared cover means you and Southern Cross each pay some of the costs for the healthcare services you receive.

Policy terms and conditions apply*, including eligibility criteria. Some healthcare services must be performed by an Affiliated Provider.

KiwiCare

KiwiCare covers up to 80% of the actual charges incurred for eligible healthcare services (up to the policy limits and subject to any excess*), including:

Specialist consultations at any time
Diagnostic imaging and tests at any time
Cancer treatment
Surgical treatment
Recovery services within 6 months of related eligible cancer treatment or surgical treatment
Support services
Allergy services
GP visits, prescriptions, physiotherapy, and hearing tests
IV infusions (non-cancer)
Overseas treatment allowance
Psychologist and psychiatrist consultations
Skin lesion services
Surgical allowances

Find out more

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Policy terms and conditions apply*, including eligibility criteria. Some healthcare services must be performed by an Affiliated Provider.

RegularCare

RegularCare covers up to 80% of the actual charges incurred for eligible healthcare and day-to-day services (up to the policy limits and subject to any excess*), including:

Specialist consultations at any time
Diagnostic imaging and tests at any time
Cancer treatment
Surgical treatment
Recovery services within 6 months of related eligible cancer treatment or surgical treatment
Support services
GP visits, prescriptions, physiotherapy, and hearing tests
Allergy services
Day-to-day healthcare services (like GP services)
IV infusions (non-cancer)
Overseas treatment allowance
Psychologist and psychiatrist consultations
Skin lesion services
Surgical allowances

Find out more

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Additional cancer support

Cancer Cover Plus can be added to your plan as an upgrade of the chemotherapy for cancer cover under your base plan. This includes cover for both Pharmac approved chemotherapy drugs and chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated for treatment of the cancer you have been diagnosed with.

Find out more

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Cancer Cover Plus is fully underwritten (pre-existing condition concessions do not apply), subject to eligibility criteria and is only available to purchase where all members on a policy are under 60 years old.

Wellbeing modules

Wellbeing modules can be added to the Wellbeing plans to access cover for everyday healthcare services. See the available Wellbeing modules on Wellbeing One and Wellbeing Two.

Wellbeing One

Wellbeing Two

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Extra cover options

Cancer Assist and Critical Illness plans can also be purchased with your health insurance plan (excluding HealthEssentials). Policy terms and conditions, including eligibility criteria apply. Find out more on the plan page for each of these plans.

Cancer Assist

Critical Illness

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Compare plans and get a quote

If you want an easy way to compare our plans, try our plan comparison and quote tool. Answer a few basic questions about you and your family and the tool will show you how our different plans compare.

You can see the main benefits of each plan and how adding or changing an excess could change your health insurance premium to suit your budget.

Get a quote now

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*For full details on the policy terms and conditions including policy maximums and exclusions which apply to each plan, please refer to the policy documents which are available to view on our plan pages.

Our commitment to improving mental resilience

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

Call 0800 100 555

Our health insurance plans

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Health insurance designed with New Zealanders in mind

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Shared day-to-day health plan

HealthEssentials

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Surgical and healthcare plans

Wellbeing One

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Wellbeing Two

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UltraCare and UltraCare 400

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Shared cover surgical and healthcare plans

KiwiCare

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RegularCare

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Additional cancer support

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Wellbeing modules

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Extra cover options

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Compare plans and get a quote

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

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What we offer

Who we're for

Important information

Quick links

Help links

Open links

Health insurance designed with New Zealanders in mind

HealthEssentials

Wellbeing One

Wellbeing Two

UltraCare and UltraCare 400

KiwiCare

RegularCare

Additional cancer support

Wellbeing modules

Extra cover options

Compare plans and get a quote

Need more help in finding the right health insurance for you?

Call us on 0800 100 555

What we offer

Who we're for

Important information

Quick links

Help links

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