Explore plan benefits
Recommended Plan
HealthEssentials, designed to help you actively take care of your day-to-day health and keep costs down.
Basics
HealthEssentials
From $*
Calculate by:
Excess:
Day-to-day health plan that covers 75% of your costs for GP, dentist visits, physiotherapist, optometrist and more, up to policy limits.
Recommended Plan
Wellbeing Starter, designed to cover those big concerns like cancer and cardiac surgery at an entry-level price. For broader cover consider Wellbeing One or Two with a $2,000 or $4,000 excess.
Starter
Wellbeing Starter
From $*
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Excess:
Entry-level plan includes cover for cancer care, some surgical treatment† & consultations, diagnostic imaging, tests & recovery within 6 months of related eligible surgical treatment or cancer care. This plan has restrictions please see below.
Recommended Plan
Wellbeing One, designed to cover a broad range of surgical treatment, and some consultations**, diagnostic imaging** and tests**. Add the Keeping Well Module for day-to-day healthcare.
Standard
Wellbeing One
From $*
Calculate by:
Excess:
Broad surgical & healthcare plan includes cover for cancer care, unlimited surgical treatment† & consultations, diagnostic imaging, tests & recovery within 6 months of related eligible surgery or cancer care.
Recommended Plan
Wellbeing Two, designed to cover a comprehensive range of surgical treatment as well as consultations, diagnostic imaging and tests at anytime. Add a module for day-to-day healthcare.
Comprehensive
Wellbeing Two
From $*
Calculate by:
Excess:
Comprehensive surgical & healthcare plan includes cover for cancer care, unlimited surgical treatment†, consultations, diagnostic imaging & tests at any time.
Recommended Plan
UltraCare, our premium plan for the highest level of cover as well as day-to-day healthcare services. Add vision and dental benefits for our most complete cover.
Premium
UltraCare
From $*
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Excess:
Premium surgical, healthcare & day-to-day plan includes cover for cancer care, unlimited surgical treatment, consultations, diagnostic imaging & tests at any time.
No cover |
Chemotherapy treatment |
No cover |
$60,000 per year2 (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs) |
$60,000 per year2 (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs) |
$60,000 per year2 (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs) |
$60,000 per year (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs) |
Radiotherapy |
No cover |
Unlimited2 |
Unlimited2 |
Unlimited2 |
Unlimited |
Additional cancer option |
No cover |
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family. |
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family. |
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family. |
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family. |
No cover |
Does not cover surgical treatment relating to orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. Restriction |
Surgical procedures |
No cover |
$500,000 per year1,3. Cardiac surgery $100,000 per year 1,3 |
Unlimited1,3 |
Unlimited1,3 |
Unlimited |
|
Skin surgery under general anaesthetic or sedation, and Mohs Skin lesion removal when performed under general anaesthetic or sedation, and Mohs surgery. |
No cover |
Refunded as per surgical procedures2 |
Refunded as per surgical procedures2 |
Refunded as per surgical procedures2 |
Refunded as per surgical procedures |
|
Skin surgery with local or no |
No cover |
$5,000 per year10,6 |
$5,000 per year10,6 |
$5,000 per year10,6 |
$10,000 per year6 |
|
GP minor surgery Minor surgery performed by a GP. Excludes consultations and skin lesion services. |
No cover |
$1,000 per year |
$1,000 per year |
$1,000 per year |
$1,000 per year |
Sterilisation |
No cover |
No cover |
No cover |
No cover |
Refunded as per surgical procedures5 |
No cover |
Does not cover diagnostic imaging and tests for orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. |
Diagnostic imaging and tests must be performed within 6 months of related eligible surgical treatment or cancer care to be covered. 6 month rule |
Diagnostic imaging |
No cover |
$60,000 per year2,7 |
$60,000 per year2,7 |
$60,000 per year2 |
$100,000 per year |
Cardiac tests |
No cover |
$5,000 per year2,7 |
$5,000 per year2,7 |
$5,000 per year2 |
$5,000 per year |
Diagnostic tests |
No cover |
$3,000 per year1,7 |
$3,000 per year1,7 |
$3,000 per year1 |
$3,000 per year |
Laboratory tests |
No cover |
No cover |
No cover |
$70 per year |
$70 per year |
No cover |
Does not cover consultations for orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. |
Consultation must be performed within 6 months of related eligible surgical treatment or cancer care to be covered. 6 month rule |
Specialist consultations |
No cover |
5 visits per year up to $5,000 per year2,7,12,14 |
5 visits per year up to $5,000 per year2,7,12,14 |
$5,000 per year2,14 |
$10,000 per year14 |
Psychiatrist consultations |
No cover |
$750 per year2 |
$750 per year2 |
$750 per year2 |
$750 per year |
Dietitian consultations |
No cover |
$500 per year6,7 |
$500 per year6,7 |
$500 per year6 |
$625 per year6 |
No cover |
No cover |
GP consultations |
75% of expenses up to $150 per year |
75% of expenses up to $150 per year (combined total limit) |
Add Keeping Well Module |
Add Keeping Well Module9 or Day-to-day Module |
$100 per consultation |
Physiotherapist |
75% of expenses up to $250 per year (combined total limit) |
75% of expenses up to $150 per year (combined total limit) |
No cover |
Add Day-to-day Module |
$300 per year 6 |
Dietitian or nutritionist |
75% of expenses up to $250 per year (combined total limit) |
No cover |
Add Body Care Module |
Add Body Care Module |
$440 per year |
Osteopath |
75% of expenses up to $250 per year (combined total limit) |
No cover |
Add Body Care Module |
Add Body Care Module |
$300 per year 6 |
Chiropractor |
75% of expenses up to $250 per year (combined total limit) |
No cover |
Add Body Care Module |
Add Body Care Module |
$300 per year 6 |
Registered massage therapist |
75% of expenses up to $250 per year (combined total limit) |
No cover |
Add Body Care Module |
Add Body Care Module |
No cover |
Acupuncturist |
75% of expenses up to $250 per year (combined total limit) |
No cover |
Add Body Care Module |
Add Body Care Module |
No cover |
Homeopath or naturopath |
No cover |
No cover |
Add Body Care Module |
Add Body Care Module |
No cover |
Podiatrist |
No cover |
No cover |
Add Body Care Module |
Add Body Care Module |
$400 per year |
Dental |
75% of expenses up to $500 per year8 Tip All Southern Cross members can access special partner offers from Lumino |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 or Vision and Dental Module |
Upgrade to UltraCare 400 |
Prescription glasses and contact lenses |
75% of expenses up to $250 per year8 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers |
No cover |
No cover |
Add Vision and Dental Module |
Upgrade to UltraCare 400 |
Optometrist |
75% of expenses up to $100 per year8 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 or Vision and Dental Module |
$350 per year 6 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers |
Orthoptist |
No cover |
No cover |
No cover |
Add Vision and Dental Module |
$200 per year |
Prescriptions |
No cover |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 or Day-to-day Module |
$600 per year |
Annual health check |
No cover |
No cover |
No cover |
Add Day-to-day Module |
Upgrade to UltraCare 400 |
Flu vaccination |
No cover |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 or Day-to-day Module |
No cover |
Nurse consultations |
No cover |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 or Day-to-day Module |
$30 per consultation |
Audiologist |
No cover |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 or Vision and Dental Module |
$200 per year |
Hearing tests |
No cover |
No cover |
Add Keeping Well Module |
Add Vision and Dental Module |
$210 per year Tip All Southern Cross members can access special partner offers from hearing specialist Bloom |
Brain stem evoked response tests |
No cover |
No cover |
Add Keeping Well Module |
Add Vision and Dental Module |
Refunded under Hearing tests |
Clinical psychologist |
No cover |
No cover |
Add Keeping Well Module |
Add Keeping Well Module9 |
$600 per year 6 |
No cover |
Does not cover recovery and support relating to orthopaedics, gynaecology and urology except recovery and support that is directly required for the treatment of cancer. |
Recovery benefits indicated must be performed within 6 months after related eligible surgical treatment or cancer care to be covered. 6 month rule |
Post-operative home nursing |
No cover |
$2,800 per year6,7 |
$2,800 per year6,7 |
$2,800 per year6,7 |
$2,800 per year6 |
Post-operative speech and language therapy |
No cover |
$350 per year6,7 |
$350 per year6,7 |
$350 per year6,7 |
$400 per year6 |
Post-operative physiotherapy |
No cover |
$300 per year6,7 |
$300 per year6,7 |
$300 per year6,7 |
$300 per year6,7 |
Ambulance allowance |
No cover |
$180 per year |
$180 per year |
$180 per year |
$180 per year |
Travel and accommodation allowance |
No cover |
$500 per year |
$500 per year |
$500 per year |
$500 per year |
Parent accommodation allowance |
No cover |
$500 per operation6 |
$500 per operation6 |
$500 per operation6 |
Refunded under surgical procedures |
Palliative care and treatment allowance |
No cover |
$2,400 per year4 |
$2,400 per year4 |
$2,400 per year4 |
$2,400 per year4 |
Additional cover for Critical Illness |
No cover |
Add Critical Illness to receive a one-off payment if you’re diagnosed with a qualifying critical illness or suffer a trauma event. Use it for things like alternative non-funded treatments, rehabilitation, mortgage payments, travel or simply taking care of life and family. |
Add Critical Illness to receive a one-off payment if you’re diagnosed with a qualifying critical illness or suffer a trauma event. Use it for things like alternative non-funded treatments, rehabilitation, mortgage payments, travel or simply taking care of life and family. |
Add Critical Illness to receive a one-off payment if you’re diagnosed with a qualifying critical illness or suffer a trauma event. Use it for things like alternative non-funded treatments, rehabilitation, mortgage payments, travel or simply taking care of life and family. |
Add Critical Illness to receive a one-off payment if you’re diagnosed with a qualifying critical illness or suffer a trauma event. Use it for things like alternative non-funded treatments, rehabilitation, mortgage payments, travel or simply taking care of life and family. |
No cover |
No cover |
No cover |
Obstetrics allowance |
No cover |
No cover |
No cover |
$750 per year5 |
$1,000 per year5 |
No cover |
Does not cover non-surgical treatment relating to orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. Restriction |
Non-surgical hospitalisation |
No cover |
$60,000 per year6 |
$60,000 per year6 |
$60,000 per year6 |
$60,000 per year6 |
Psychiatric hospitalisation |
No cover |
$3,500 per year6 |
$3,500 per year6 |
$3,500 per year6 |
$3,500 per year6 |
|
Allergy services Allergy related healthcare services including allergy testing and desensitisation. |
No cover |
$750 per year13 |
$750 per year13 |
$750 per year13 |
$1,000 per year |
No cover |
Gastric banding/bypass allowance |
No cover |
No cover |
$7,500 per lifetime1,4 |
$7,500 per lifetime1,4 |
$7,500 per lifetime4 |
Bilateral breast reduction allowance |
No cover |
No cover |
$5,000 per lifetime1,4 |
$5,000 per lifetime1,4 |
$5,000 per lifetime4 |
Post mastectomy allowance to achieve breast symmetry |
No cover |
$6,500 per lifetime1 |
$6,500 per lifetime1 |
$6,500 per lifetime1 |
$6,500 per lifetime |
|
Prophylactic treatment allowance Allowance for prophylactic treatment to address a highly increased risk of developing a disease, provided high risk status was not present at time of joining. (i.e. removal of breast to prevent breast cancer occurring). |
No cover |
$40,000 per lifetime1,4,11 |
$40,000 per lifetime1,4,11 |
$40,000 per lifetime1,4,11 |
$50,000 per lifetime4,11 |
|
Overseas treatment allowance Allowance for reimbursement of medical expenses incurred overseas for approved treatment not available in the private or public sector within New Zealand. |
No cover |
No cover |
$30,000 per year |
$30,000 per year |
$30,000 per year |
No cover |
Does not cover surgical treatment for orthopaedics, gynaecology and urology unless directly required for the treatment of cancer. Restriction |
|
Being active Payable on receipt of proof of completion of a sports event and payment of the related entry fees. |
No cover |
$50 per year4 |
$50 per year4 |
$50 per year4 |
$50 per year4 |
|
ACC service Where you require a healthcare service related to an accident or treatment injury you must first make every reasonable effort to obtain ACC approval for payment of the cost of your healthcare service. In some cases ACC will not pay the full cost for accident treatment or treatment injury. In these cases please contact us as you may be able to claim under your policy. |
Yes |
Yes |
Yes |
Yes |
Yes |
Suspension of cover for going overseas5 |
No cover |
Between 2 - 36 months, up to 5 years in total. |
Between 2 - 36 months, up to 5 years in total. |
Between 2 - 36 months, up to 5 years in total. |
Between 2 - 36 months, up to 5 years in total. |
Pre-existing cover for newborns (up to 3 months old) |
No cover |
Yes. Must be added within 3 months of birth. |
Yes. Must be added within 3 months of birth. |
Yes. Must be added within 3 months of birth. |
Yes. Must be added within 3 months of birth. |
Child rates to age 21 years |
No cover |
Yes. Third and subsequent children are also free. |
Yes. Third and subsequent children are also free. |
Yes. Third and subsequent children are also free. |
Yes. Third and subsequent children are also free. |
Yes |
No cover |
No cover |
No cover |
Yes. Qualifying pre-existing conditions.4 |
† Prosthesis maximums apply
** Must be performed within 6 months of related eligible surgical treatment or cancer care
1 Some healthcare services covered under this benefit must be performed by an Affiliated Provider
2 All healthcare services covered under this benefit must be performed by an Affiliated Provider
3 Prosthesis maximums apply
4 Available after 3 years continuous cover
5 Available after 1 year continuous cover
6 Sublimits apply
7 Diagnostic imaging, tests, consultations and recovery must be performed within 6 months of related eligible surgical treatment or cancer care
8 3 months stand down period
9 The Keeping Well Module cannot be held with Day-to-day and/or Vision and Dental modules
10 All healthcare services covered under this benefit must be performed by an Affiliated Provider or General Practitioner
11 Cover is not available where the high risk status was present prior to the original date of joining
12 5 visit limit and 6 month rule does not apply to oncologist and radiation oncologist consultations
13 All healthcare services covered under this benefit must be performed by an Affiliated Provider or General Practitioner who has an Easy-claim agreement with us
14 Excludes psychiatrist and all skin lesion consultations
*Premiums are rounded up to the nearest dollar and include a 2.5% direct debit discount. A 10% Healthy lifestyle joining reward is also included where applicable (not available with HealthEssentials, Cancer Assist and Critical Illness). Terms and conditions apply.
This comparison table is an outline of some of the main benefits and features of the named Southern Cross plans. Full details of the benefits, terms, conditions and exclusions are contained in our policy documents, available from here.
Plan benefits shown are effective from 10 December 2018 and are subject to change. The benefits and limits available differ from plan to plan. Terms, conditions and exclusions also apply. If you would like personalised advice call us on 0800 100 777 (Monday to Friday, 8am to 6pm).
Benefits
Chemotherapy treatment
Radiotherapy
Cancer assistance
Surgical procedures
Cardiac surgery
Minor skin surgery
GP Minor surgery Minor surgery performed by a GP, e.g. removal of cysts, skin lesions and ingrown toenails.
Sterilisation
Diagnostic imaging
Cardiac tests
Diagnostic tests
Laboratory tests
Specialist consultations
Psychiatrist consultations
Dietitian consultations
GP consultations
Physiotherapist
Dietitian or nutritionist
Osteopath
Chiropractor
Registered massage therapist
Acupuncturist
Homeopath or naturopath
Podiatrist
Dental
Prescription glasses and contact lenses
Optometrist
Orthoptist
Prescriptions
Annual health check
Flu vaccination
Nurse consultations
Audiologist
Hearing tests
Brain stem evoked response tests
Clinical psychologist
Post-operative home nursing
Post-operative speech and language therapy
Post-operative physiotherapy
Ambulance allowance
Travel and accommodation allowance
Parent accommodation allowance
Public hospital cash allowance
Waiver of premium
Funeral allowance
Palliative care and treatment allowance
Obstetrics allowance
Non-surgical hospitalisation
Psychiatric hospitalisation
Allergy services Allergy related healthcare services including allergy testing and desensitisation.
Gastric banding/bypass allowance
Bilateral breast reduction allowance
Post mastectomy allowance to achieve breast symmetry
Prophylactic treatment allowance Allowance for prophylactic treatment to address a highly increased risk of developing a disease, provided high risk status was not present at time of joining. (i.e. removal of breast to prevent breast cancer occurring).
Overseas treatment allowance Allowance for reimbursement of medical expenses incurred overseas for approved treatment not available in the private or public sector within New Zealand.
Being active Payable on receipt of proof of completion of a sports event and payment of the related entry fees.
ACC service Where you require a healthcare service related to an accident or treatment injury you must first make every reasonable effort to obtain ACC approval for payment of the cost of your healthcare service. In some cases ACC will not pay the full cost for accident treatment or treatment injury. In these cases please contact us as you may be able to claim under your policy.
Suspension of cover for going overseas5
Pre-existing cover for newborns (up to 3 months old)
Child rates to age 21 years
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
75% of expenses up to $150 per year
75% of expenses up to $250 per year (combined total limit)
75% of expenses up to $250 per year (combined total limit)
75% of expenses up to $250 per year (combined total limit)
75% of expenses up to $250 per year (combined total limit)
75% of expenses up to $250 per year (combined total limit)
75% of expenses up to $250 per year (combined total limit)
No cover
No cover
75% of expenses up to $500 per year8 Tip All Southern Cross members can access special partner offers from Lumino
75% of expenses up to $250 per year8 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers
75% of expenses up to $100 per year8 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
Yes
No cover
No cover
No cover
Yes
$60,000 per year2 (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs)
Unlimited2
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family.
Does not cover surgical treatment relating to orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. Restriction
$500,000 per year1,3
$100,000 per year1,3
$7,500 per year2
$1,000 per year
No cover
Does not cover diagnostic imaging and tests for orthopaedics, gynaecology and urology except where directly required for the treatment of cancer.
Diagnostic imaging and tests must be performed within 6 months of related eligible surgical treatment or cancer care to be covered.
Restrictions
$60,000 per year2,7
$5,000 per year2,7
$3,000 per year1,7
No cover
Does not cover consultations for orthopaedics, gynaecology and urology except where directly required for the treatment of cancer.
Consultations must be performed within 6 months of related eligible surgical treatment or cancer care to be covered.
Restrictions
$5,000 per year2,7
$750 per year2
$500 per year6,7
75% of expenses up to $150 per year (combined total limit)
75% of expenses up to $150 per year (combined total limit)
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
No cover
Does not cover recovery and support relating to orthopaedics, gynaecology and urology except recovery and support that is directly required for the treatment of cancer.
Recovery benefits indicated must be performed within 6 months after related eligible surgical treatment or cancer care to be covered.
Restrictions
$2,800 per year6,7
$350 per year6,7
$300 per year6,7
$180 per year
$500 per year
$500 per operation6
$2,400 per year6
2 years free cover
$2,400 one-off payment
$2,400 per year4
No cover
No cover
Does not cover non-surgical treatment relating to orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. Restriction
$60,000 per year6
$3,500 per year6
$750 per year2
No cover
No cover
$6,500 per lifetime2
$40,000 per lifetime1,4,11
No cover
Does not cover surgical treatment for orthopaedics, gynaecology and urology unless directly required for the treatment of cancer. Restriction
$50 per year4
Yes
Between 2 - 36 months, up to 5 years in total.
Yes. Must be added within 3 months of birth.
Yes. Third and subsequent children are also free.
No cover
$60,000 per year2 (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs)
Unlimited2
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family.
Unlimited1,3
Unlimited1,3
$7,500 per year2
$1,000 per year
Refunded as per surgical procedures1,5
Diagnostic imaging and tests must be performed within 6 months of related eligible surgical treatment or cancer care to be covered. 6 month rule
$60,000 per year2,7
$5,000 per year2,7
$3,000 per year1,7
No cover
Consultation must be performed within 6 months of related eligible surgical treatment or cancer care to be covered. 6 month rule
$5,000 per year2,7
$750 per year2
$500 per year6,7
No cover
Add Keeping Well Module
No cover
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Keeping Well Module
No cover
Add Keeping Well Module
No cover
Add Keeping Well Module
No cover
Add Keeping Well Module
Add Keeping Well Module
Add Keeping Well Module
No cover
No cover
Add Keeping Well Module
Recovery benefits indicated must be performed within 6 months after related eligible surgical treatment or cancer care to be covered. 6 month rule
$2,800 per year6,7
$350 per year6,7
$300 per year6,7
$180 per year
$500 per year
$500 per operation6
$2,400 per year6
2 years free cover
$2,400 one-off payment
$2,400 per year4
No cover
No cover
$60,000 per year6
$3,500 per year6
$750 per year2
$7,500 per lifetime1,4
$5,000 per lifetime1,4
$6,500 per lifetime1
$40,000 per lifetime1,4,11
$30,000 per year
$50 per year4
Yes
Between 2 - 36 months, up to 5 years in total.
Yes. Must be added within 3 months of birth.
Yes. Third and subsequent children are also free.
No cover
$60,000 per year2 (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs)
Unlimited2
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family.
Unlimited1,3
Unlimited1,3
$7,500 per year2
$1,000 per year
Refunded as per surgical procedures1,5
$60,000 per year2
$5,000 per year2
$3,000 per year1
$70 per year
$5,000 per year2
$750 per year2
$500 per year6
No cover
Add Keeping Well Module9 or Day-to-day Module
Add Day-to-day Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Body Care Module
Add Keeping Well Module9 or Vision and Dental Module
Add Vision and Dental Module
Add Keeping Well Module9 or Vision and Dental Module
No cover
Add Keeping Well Module9 or Day-to-day Module
Add Day-to-day Module
Add Keeping Well Module9 or Day-to-day Module
Add Keeping Well Module9 or Day-to-day Module
Add Keeping Well Module9 or Vision and Dental Module
Add Vision and Dental Module
Add Vision and Dental Module
Add Keeping Well Module9
$2,800 per year6,7
$350 per year6,7
$300 per year6,7
$180 per year
$500 per year
$500 per operation6
$2,400 per year6
2 years free cover
$2,400 one-off payment
$2,400 per year4
$1,500 per year1,5
$60,000 per year6
$3,500 per year6
$750 per year2
$7,500 per lifetime1,4
$5,000 per lifetime1,4
$6,500 per lifetime1
$40,000 per lifetime1,4,11
$30,000 per year
$50 per year4
Yes
Between 2 - 36 months, up to 5 years in total.
Yes. Must be added within 3 months of birth.
Yes. Third and subsequent children are also free.
No cover
$60,000 per year (includes $10,000 per year for non-Pharmac approved Medsafe indicated chemotherapy drugs)
Unlimited
Add Cancer Assist to receive a one-off payment if you’re diagnosed with a qualifying cancer. Use it for things like additional non-Pharmac approved drugs, mortgage payments, travel or simply taking care of life and family.
Unlimited
Unlimited
$10,000 per year
$1,000 per year
Refunded as per surgical procedures
$100,000 per year
$5,000 per year
$3,000 per year
$70 per year
$10,000 per year
$750 per year
$625 per year6
$100 per consultation
$300 per year 6
$440 per year
$300 per year 6
$300 per year 6
No cover
No cover
No cover
$400 per year
Upgrade to UltraCare 400
Upgrade to UltraCare 400
$350 per year 6 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers
$200 per year
$600 per year
Upgrade to UltraCare 400
No cover
$30 per consultation
$200 per year
$210 per year Tip All Southern Cross members can access special partner offers from hearing specialist Bloom
Refunded under Hearing tests
$600 per year 6
$2,800 per year6
$400 per year6
$300 per year6,7
$180 per year
$500 per year
Refunded under surgical procedures
$2,400 per year6
2 years free cover
$2,400 one-off payment
$2,400 per year4
$2,500 per year5
$60,000 per year6
$3,500 per year6
$1,000 per year
$7,500 per lifetime4
$5,000 per lifetime4
$6,500 per lifetime
$50,000 per lifetime4,11
$30,000 per year
$50 per year4
Yes
Between 2 - 36 months, up to 5 years in total.
Yes. Must be added within 3 months of birth.
Yes. Third and subsequent children are also free.
Yes. Qualifying pre-existing conditions.4
† Prosthesis maximums apply
** Must be performed within 6 months of related eligible surgical treatment or cancer care
1 Some healthcare services covered under this benefit must be performed by an Affiliated Provider
2 All healthcare services covered under this benefit must be performed by an Affiliated Provider. Allergy services can also be performed by a General Practitioner who has an Easy-claim agreement with us.
3 Prosthesis maximums apply
4 Available after 3 years continuous cover
5 Available after 1 year continuous cover
6 Sublimits apply
7 Diagnostic imaging, tests, consultations and recovery must be performed within 6 months of related eligible surgical treatment or cancer care
8 3 months stand down period
9 The Keeping Well Module cannot be held with Day-to-day and/or Vision and Dental modules
11 Cover is not available where the high risk status was present prior to the original date of joining
*Premiums are rounded up to the nearest dollar and include a 2.5% direct debit discount. A 10% Healthy lifestyle joining reward is also included where applicable (not available with HealthEssentials, Cancer Assist and Critical Illness). Terms and conditions apply.
This comparison table an outline of some of the main benefits and features of the named Southern Cross plans. Full details of the benefits, terms, conditions and exclusions are contained in our policy documents, available from here.
Plan benefits shown are effective from 17 July 2017 and are subject to change. The benefits and limits available differ from plan to plan. Terms, conditions and exclusions also apply. If you would like personalised advice call us on 0800 100 777 (Monday to Friday, 8am to 6pm).