Southern Cross health insurance
Live life well

We’ve been looking after people for longer

Southern Cross Medical Care Society is New Zealand’s largest specialist health insurer. For more than 40 years we’ve been operating as a not-for-profit organisation, existing solely to take care of our 839,000 plus members who trust us to look after their health.

Did you know?

1.For every dollar of premium income received, Southern Cross paid out 89.6 cents in claims*. This claims to premium ratio is well ahead of industry average.

2.Last year (year ending 30 June 2008), Southern Cross funded approximately 145,000 elective surgical procedures.

3.Southern Cross is New Zealand’s health insurer of choice, with 60% of the health insurance market. Of the 1.4 million New Zealanders with health insurance, over 839,000 are insured with Southern Cross.**

4.In the year to 30 June 2008 claims paid to Southern Cross members represented 71% of the total claims settled by all New Zealand health insurers*

5.Southern Cross’ membership growth was 72% of the total increase in New Zealanders covered by health insurance in the year to 30 June 2008*.

Southern Cross’ plans
Southern Cross offers a range of healthcare plans – from surgical-only plans to comprehensive plans that provide cover for day-to-day treatment with add-on options for dental and optical cover. The aim is always to find a happy balance between cost and cover, so that health insurance is both useful and affordable.

VIP Plan
Southern Cross’ VIP Plans reimburse up to 100% of eligible healthcare costs, up to $75,000 for some surgeries and procedures.

These plans are based on a series of modules.  The foundation module ensures cover for the problems that are least predictable and have the highest potential cost, namely surgery and medical treatment in hospital.

Then, depending on your needs, you can add modules that cover specialist and diagnostic costs, GP and prescription charges and 75% reimbursement for dental and optical charges. 

With VIP you can choose excess options, [based on an annual amount, not per claim, where you agree to pay a part of your treatment costs and, in return, your annual premium is reduced].  Refer to the VIP Schedules of Benefits for details, available from Southern Cross on request.

Please note, reimbursement levels are based on reasonable charges for medically necessary treatment to stated policy maximums.  Terms and Conditions for VIP Plans, including limitations and exclusions, are available from Southern Cross on request.

Extra benefits for Southern Cross members:

• All Southern Cross health insurance members receive a 15% discount off the non-member rate for TravelCare or Frequent Traveller Southern Cross Travel Insurance premiums. Buy TravelCare online and get a further 20% discount off your premium.***
  

• Alive Magazine – all Southern Cross members over 16 years of age receive Alive, a free, biannual publication featuring health, wellness and lifestyle articles.
  

• Access to Southern Cross Affiliated Providers – this network comprises of arrangements Southern Cross has entered into with specialists, hospitals and facilities which provide specific services and procedures to Southern Cross members at agreed prices.
  

• Southern Cross Plus Programme – all Southern Cross members over 16 years of age receive a Southern Cross Plus card. The Southern Cross Plus card confirms your membership and entitles you to access savings and benefits on a range of health and wellness items on a day-to-day basis. You will also receive quarterly vouchers with special offers from the Southern Cross Plus Partners.

  Information current at September 2008.

  *Source: Southern Cross internal data, for the year ending 30 June 2008.
  **Source: HFANZ data, June 2008.
  ***This discount is off the discounted member rate or the non-member rate, whichever is applicable to you.