Wellbeing One is a standard surgical and healthcare plan.
It includes cover for cancer care, surgical treatment†, support services, plus specialist consultations, diagnostics and recovery services that are provided within six months of related eligible cancer care or surgical treatment.
Wellbeing Two is a comprehensive surgical plan.
It includes cover for cancer care, surgical treatment†, recovery and support services, with the advantage of cover for specialist consultations, diagnostic imaging and tests at any time.
UltraCare is a premium surgical, healthcare, and day-to-day plan for those who want the highest level of cover.
It includes cover for cancer care, surgical treatment, along with specialist consultations, diagnostic imaging and tests and day-to-day treatment at any time. Plus, you can choose your own specialist and your qualifying pre-existing conditions will be covered after three years of continuous cover (except under Cancer Cover Plus).
Read more on the Southern Cross website
† Prosthesis maximums apply.
You can also add a range of wellbeing modules and extras to your cover as follows depending on which policy you choose above.
Keeping Well Module**
Cover for GP, nurse, clinical psychologist and optometrist consultations, a flu vaccination, prescriptions, audiologist consultations and hearing tests, dental consultations, and treatment.
Body Care Module
Cover for dietitian, nutritionist, podiatrist, acupuncturist, osteopath, chiropractor, naturopath, homeopath, and registered massage therapist consultations.
Day-to-day Module**
Cover for GP, nurse and physiotherapist consultations, prescriptions, an annual health check and a flu vaccination.
Vision and Dental Module**
Cover for prescription glasses, prescription sunglasses and prescription contact lenses, optometrist and orthoptist consultations, dental consultations and treatment, and audiologist consultations and tests.
**The Keeping Well Module cannot be held with Day-to-day and Vision and Dental modules.
Cancer Cover Plus
You can upgrade the base chemotherapy for cancer benefit available under your plan to one of the Cancer Cover Plus options++ (Chemotherapy 100 and Chemotherapy 300) to increase your cover for chemotherapy for cancer, including increased cover for non-Pharmac approved, Medsafe indicated chemotherapy drugs.
Learn more about Cancer Cover Plus
++Cancer Cover Plus upgrades are fully underwritten, regardless of any pre-existing condition concession. They cannot be purchased if you or any dependent on the policy is over 60 years old.
Cancer Assist
Cancer Assist is an affordable addition to your health insurance plan (excluding HealthEssentials) and provides you with a one-off payment, over and above your health insurance, should you be diagnosed with a qualifying cancer. Use the one-off payment to spend on what’s important to you at a time when you need it most.
Critical Illness
Critical Illness is an affordable addition to your health insurance plan (excluding HealthEssentials) and is designed to provide extra financial support when it's needed most.
You'll receive a lump sum cash payment if you're diagnosed with a critical illness or suffer a trauma such as a heart attack, stroke, qualifying cancer or loss of independent living. At what is undoubtedly a stressful time, you can use your Critical Illness payment to help take care of you and your family, so you can focus on recovery.
Here’s a summary of some of the great benefits you receive as a Southern Cross member. We have included additional links should you like to read more about these on the Southern Cross website –
As a member, you get more than just health insurance with access to member-exclusive offers to help you take control of your health, wellbeing and lifestyle:
Bailey Nelson - Get $50 off glasses single vision lenses. Find out more.
Bloom - Get a complimentary hearing test and save 30% on a selected range of hearing aids. Find out more.
Blue Fitness - Get 10% off your home based exercise equipment with Blue Fitness. Find out more.
Cancer Society - Receive 20% off Cancer Society sunscreen at OfficeMax. Find out more.
Ecostore - Get 15% off the entire ecostore range online or in the ecostore flagship store. Find out more.
Feel fresh - Get $40 off a 60 minute nutrition consultation with Feel Fresh Nutrition. Find out more.
LesMills - Get 10% off a standard 12-month multi-club membership and no joining fee. Find out more.
Lumino - Get 5% off dental treatments at Lumino. Plus, new patients get a half-price exam and x-rays. Find out more.
Oakley - Get 15% off full priced eyewear, apparel, accessories and footwear with Oakley. Find out more.
OPSM - Free eye test with standard digital retinal scan. You can save 15% on lens and lens extras on prescription glasses or sunglasses and get 10% off contact lenses. Find out more.
Pita Pit - Get 10% off the entire Pita Pit menu in-store or online. Find out more.
Specsavers - Get 25% off when you purchase 1 pair from the $169 range or above and a half price Eye Exam. Find out more.
St John - Get 10% off select St John First Aid Courses. Find out more.
Sunglass Hut - Get 15% off selected sunglasses simply by showing your member card in-store. Find out more.
Southern Cross is a Kiwi owned and not for profit insurer with other 955,000 members.
They have been voted the most trusted brand in the annual Reader’s Digest Quality Service Awards every year from 2017 to 2024.