Why choose health insurance?
Private health and medical insurance complement the public system by enabling you to access treatment faster. Being treated more quickly helps you get back to doing what you love sooner.
Many choose health insurance to help them with the cost of healthcare, and for peace of mind in case the unexpected happens.
What do you need? How to plan your insurance coverage
What’s essential for you will be different for someone else. That’s why we offer a wide range of plans and additional options. Not sure where to start? Below we’ve listed indicative costs of healthcare procedures and common health insurance claims in New Zealand.
The cost of common medical and surgical treatment
Ever wondered how much common medical and surgical procedures can cost in New Zealand? The table below shows indicative costs for some common healthcare procedures. Costs are GST inclusive and sourced from 2045-2025 claims data.
| Procedure |
Indicative costs |
| Breast cancer surgery |
$9,400 - $31,100 |
| Colonoscopy |
$2,300 - $3,900 |
| Endometriosis surgery |
$12,400 - $30,900 |
| Hip replacement |
$27,700 - $33,100 |
| Prostate cancer surgery |
$26,700 - $32,300 |
| Skin cancer removal |
$300 - $2,400 |
| Varicose veins |
$5,600 - $9,200 |
Common health insurance claims
The top five most common treatment claims made by individuals at Southern Cross are for:
- GP consults
- Specialist consults
- Prescriptions
- Physiotherapy
- Imaging scans
Health insurance can help you return to doing what you love faster. Join more than 951,000 New Zealanders who choose Southern Cross Health Society to support their health and wellbeing.
