Policywise is a 100% free service which tells you which health, life, and disability insurance provider best fits your needs. We provide quotes and a comprehensive comparison of all leading providers - such as Southern Cross - as well as a simple, one-page summary clearly stating how our findings dovetail impeccably with your situation.
In this Southern Cross private health insurance review, we’ll look at plans exclusively offered through Policywise.
Southern Cross Health Society began in 1961 with the goal of providing affordable private healthcare for New Zealanders. Since then, Southern Cross has witnessed rapid and constant growth, gaining the trust of nearly 900,000 members in New Zealand today.
NZ-owned and not-for-profit, Southern Cross offers special rewards, discounts, fast access to treatment, and fast, simple claiming, paying out over three million health insurance claims in 2023.
UltraCare/400, Southern Cross Wellbeing One and Wellbeing Two are three popular private health insurance choices for many clients. This is why:
If you’re looking for premium surgical, healthcare, and everyday health insurance that gives the highest level of cover, then Southern Cross UltraCare is the option for you.
Benefit highlights include:
UltraCare also covers a large range of everyday medical costs as standard including:
Southern Cross UltraCare will even cover many pre-existing conditions after three years’ cover.
You should check the policy wording for detailed exclusions and terms and conditions.
You can charge up your UltraCare plan with the UltraCare 400 upgrade. UltraCare 400 gives you $500 for prescription glasses/contact lenses and $750 for dental treatment per claims year.
Southern Cross Wellbeing One provides broad surgical and healthcare coverage for its members.
Southern Cross Wellbeing two is a comprehensive surgical and cancer cover that also covers specialist consultations for conditions that don’t require surgery, and without any time restriction.
Wellbeing one & two highlights:
Choosing a higher excess ($500, $1,000, $2,000, or $4,000) means you can reduce your premiums.
You can tailor your Wellbeing one or Wellbeing two covers with these optional modules:
This package covers GP, nurse, optometrist, audiologist, dentist, and psychologist consultations, as well as hearing tests and prescriptions. This module cannot be taken with either the Day-to-Day or Keeping Well modules.
The Body Care module provides coverage for consultations with nutritionists, acupuncturists, dietitians, chiropractors, osteopaths, homoeopaths, naturopaths, and massage therapists.
Covers consultations with a GP, nurse, or physiotherapist, as well as prescriptions. You can also claim an annual health check and a flu vaccination. You cannot have the Day-to-Day and Keeping Well modules at the same time.
Covers consultations with an optometrist, orthoptist, dentist, or audiologist. Treatment costs and prescribed contact lenses and glasses are also covered (up to 75%). It cannot be held with the Keeping Well module.
Add-ons allow you to customise your UltraCare, UltraCare 400, Wellbeing One and Wellbeing Two cover even further, and can give you more options in the event of a claim.
Boost your base chemotherapy for cancer benefit with a Cancer Cover Plus add-on. Your choice of Chemotherapy 100 or Chemotherapy 300 increases your cover for both Pharmac-funded and non-Pharmac-funded drugs up to $100,000 per year or $300,000 per year.
With a range of cover options available, from $20,000 up to $300,000, Cancer Assist offers affordable peace of mind in the event of a qualifying cancer diagnosis. Cancer Assist provides a one-off, tax-free lump sum payment as a top-up to your regular health insurance - you can spend the payment on whatever’s most important to you.
There is a three-month stand-down period at the commencement of the policy. You can learn more about the terms and conditions in the policy document.
This gives you a lump sum cash payment if you suffer a sudden, critical illness, or an acute event such as a heart attack, stroke, qualifying cancer, or loss of independent living. You can use the Critical Illness tax-free payment to spend on whatever you or your family need the most.
Choose from a range of cover options from $20,000 up to $300,000. There is a three-month stand-down period at the commencement of the policy. You can learn more about the terms and conditions in the policy document.
You and Southern Cross will share the cost of medical services that you receive in the event of a qualifying medical condition.
You and Southern Cross share some of the costs of cancer care, consultations with a specialist, surgical treatment, diagnostic tests and imaging, as well as some support for recovery.
HealthEssentials offers health coverage on a per-day payment basis. Starting at $1 per day, members are eligible for up to $1,250 of insurance cover each year.
Offering your employees a decent health care plan is a great way to show you really value them.
Employee health insurance:
And your employees will be more focused on the job because they’re not worrying about waiting for medical treatment, taking time off work, or mounting medical bills. Employee health insurance is a great addition to your business toolbox. In fact, Seek calls it the No.1 Perk that will make a job candidate choose you over your competitor.
And that’s why Southern Cross medical insurance provides comprehensive workplace health cover for businesses throughout New Zealand.
Southern Cross does offer a number of additional health insurance options but these are much more limited in scope. If you really are on a tight budget and would like to talk about one of these options then chat with a friendly Policywise expert.
Southern Cross has worked hard to become one of New Zealand’s most popular health insurance providers, and they’re especially proud of:
Southern Cross members can take advantage of unlimited free online consultations with a Care HQ doctor. Once registered, you can book these through the My Southern Cross app. You can also book up to three free Raise Mental Wellbeing sessions for individual or couple counselling.
The My Southern Cross app allows you to manage your health insurance, check balances, check your cover, make claims using our online claim form, and access free online consultations with a GP.
The above is just a brief summary. Additional terms and conditions may apply.
You can wade through all the fine print in Southern Cross’ policy documents here, or simply check in with one of the experts at Policywise, and we’ll help you choose the right product for your situation.
Wait times for essential and elective surgery are increasing each year. These delays can lead to much poorer health outcomes as well as increased stress and frustration. Health insurance can also pay for expensive treatments that are not publicly funded in New Zealand.
How much can you expect to pay privately for some common treatments in New Zealand?
Good health is priceless. Southern Cross private health insurance can help you:
Not all health insurance policies are the same. Policywise can help you sort out the duds, avoid the lemons, understand the fine print and exclusions, and get the best insurance for you and your family.
We’ll answer all your questions, provide fast, easy-to-understand policy comparisons and quotes, and take care of the sign-up process. We can also take care of lodging any claims on your behalf.
Now is the time to think about investing in private health insurance cover that will give you or someone you love the most outstanding support and treatment possible in the event of illness. How about having a 5-minute phone conversation with us? Together, we can find the ultimate path towards securing your financial and physicalhealth.