Check out the different benefits available on our plans then select a plan to review the different benefits and options available. If you would like to receive financial advice about our plans that may suit your needs and/or the needs of your family members, please call us. We’re here to help Monday to Friday. The plan showing as 'Recommended plan' has been recommended to you solely on the basis of the answers you have provided to the high-level needs-based questions we have asked. It does not take into account your particular financial situation, goals or more detailed needs. If you would like to receive personalised advice, please call us on 0800 100 555 (Monday to Friday).
 
 
Most popular **
 

Explore plan benefits

Prices include 2.5% direct debit discount and 10% Healthy lifestyle joining reward. Check eligibility

Basics
HealthEssentials

From $*

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Excess:

From $*

Day-to-day health plan that covers 75% of your costs for GP, dentist visits, physiotherapist, optometrist and more, up to policy limits. A 3-month stand down applies to some benefits.

Starter
Wellbeing Starter

From $*

Calculate by:

Excess:

From $*

Entry-level plan includes cover for cancer care, some surgical treatment1 & specialist consultations, diagnostic imaging, tests & recovery within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy. This plan has restrictions; please see below.

Shared Cover
KiwiCare

From $*

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Excess:

From $*

Shared cover entry level plan provides a contribution towards cancer care, surgical treatment1 & specialist consultations, diagnostic imaging and tests and some recovery. We will pay 80% of the actual cost of the healthcare service up to the policy limit for eligible healthcare services.

Shared Cover
RegularCare

From $*

Calculate by:

Excess:

From $*

Shared cover comprehensive plan provides a contribution towards day-to-day, cancer care, surgical treatment1 & specialist consultations, diagnostic imaging and tests and some recovery. We will pay 80% of the actual cost of the healthcare service up to the policy limit for eligible healthcare services.

Most popular **

Broad
Wellbeing One

From $*

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Excess:

From $*

Broad surgical & healthcare plan includes cover for cancer care, unlimited surgical treatment1 & specialist consultations, diagnostic imaging, tests & recovery within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy.

Most popular **

Comprehensive
Wellbeing Two

From $*

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Excess:

From $*

Comprehensive surgical & healthcare plan includes cover for cancer care, unlimited surgical treatment1 & specialist consultations, diagnostic imaging & tests at any time.

Premium
UltraCare

From $*

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Excess:

From $*

Premium surgical, healthcare & day-to-day treatment plan includes cover for cancer care, unlimited surgical treatment, specialist consultations, diagnostic imaging & tests at any time.

Cancer care

No cover

Chemotherapy for cancer

No cover

$60,000 per claims year (includes $10,000 per claims year for non-Pharmac approved Medsafe indicated chemotherapy drugs).3

$48,000 per claims year (includes $8,000 per claims year for non-Pharmac approved Medsafe indicated chemotherapy drugs).3

$48,000 per claims year (includes $8,000 per claims year for non-Pharmac approved Medsafe indicated chemotherapy drugs).3

$60,000 per claims year (includes $10,000 per claims year for non-Pharmac approved Medsafe indicated chemotherapy drugs).3

$60,000 per claims year (includes $10,000 per claims year for non-Pharmac approved Medsafe indicated chemotherapy drugs).3

$60,000 per claims year (includes $10,000 per claims year for non-Pharmac approved Medsafe indicated chemotherapy drugs).

Optional Cancer Cover Plus (effective from 9 November 2020)

No cover

No cover

Upgrade to Cancer Cover Plus to increase your cover for chemotherapy for cancer and non-Pharmac approved Medsafe indicated chemotherapy drugs.

Upgrade to Cancer Cover Plus to increase your cover for chemotherapy for cancer and non-Pharmac approved Medsafe indicated chemotherapy drugs.

Upgrade to Cancer Cover Plus to increase your cover for chemotherapy for cancer and non-Pharmac approved Medsafe indicated chemotherapy drugs.

Upgrade to Cancer Cover Plus to increase your cover for chemotherapy for cancer and non-Pharmac approved Medsafe indicated chemotherapy drugs.

Upgrade to Cancer Cover Plus to increase your cover for chemotherapy for cancer and non-Pharmac approved Medsafe indicated chemotherapy drugs.

Radiotherapy

No cover

Unlimited3

Unlimited3

Unlimited3

Unlimited3

Unlimited3

Unlimited

Optional Cancer Assist

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.

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.

Surgical treatment

No cover

Does not cover surgical treatment relating to orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. Restriction

Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. Shared Cover

Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. Shared Cover

Surgical procedures

No cover

$500,000 per claims year1,3.

Cardiac surgery $100,000 per claims year 1,3

$100,000 per operation1,2

$100,000 per operation1,2

Unlimited1,2

Unlimited1,2

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 procedures3

Refunded as per surgical procedures3

Refunded as per surgical procedures3

Refunded as per surgical procedures3

Refunded as per surgical procedures3

Refunded as per surgical procedures

Skin surgery with local or no
anaesthetic Skin lesion removal when performed with local anaesthetic or without anaesthetic and related consultations. Includes a sublimit of $1,000 per claims year when performed by a GP.

No cover

$5,000 per claims year6,10

$5,000 per claims year6,10

$5,000 per claims year6,10

$5,000 per claims year10,6

$5,000 per claims year6,10

$10,000 per claims year6

GP minor surgery Minor surgery performed by a GP. Excludes consultations and skin lesion services.

No cover

$1,000 per claims year

$800 per claims year

$800 per claims year

$1,000 per claims year

$1,000 per claims year

$1,000 per claims year

Sterilisation

No cover

No cover

No cover

No cover

No cover

No cover

Refunded as per surgical procedures5

Diagnostic imaging and tests

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

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 claims year3,7

$8,000 per claims year3

$8,000 per claims year3

$60,000 per claims year3,7

$60,000 per claims year3

$100,000 per claims year

Cardiac tests

No cover

$5,000 per claims year3,7

$3,000 per claims year3

$3,000 per claims year3

$5,000 per claims year3,7

$5,000 per claims year3

$5,000 per claims year

Diagnostic tests

No cover

$3,000 per claims year2,7

$2,000 per claims year2

$2,000 per claims year2

$3,000 per claims year2,7

$3,000 per claims year2

$3,000 per claims year

Laboratory tests

No cover

No cover

$56 per claims year

$56 per claims year

No cover

$70 per claims year

$70 per claims year

Consultations

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

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

$5,000 per claims year3,7,12,14

$4,000 per claims year3,14

$4,000 per claims year3,14

$5,000 per claims year3,7,12,14

$5,000 per claims year2,3,14

$10,000 per claims year14

Psychiatrist consultations

No cover

$750 per claims year2,3

$600 per claims year3

$600 per claims year3

$750 per claims year3

$750 per claims year3

$750 per claims year

Dietitian consultations

No cover

$500 per claims year6,7

$400 per claims year6

$400 per claims year6

$500 per claims year6,7

$500 per claims year6

$625 per claims year6

Day-to-day (dental, GP etc.)

No cover

No cover

No cover

GP consultations

75% of expenses up to $150 per claims year

75% of expenses up to $150 per claims year (combined total limit)

No cover

$45 per visit

Add Keeping Well Module9 or Day-to-day Module

Add Keeping Well Module9 or Day-to-day Module

$100 per visit

Physiotherapist

75% of expenses up to $250 per claims year (combined total limit)

 

No cover

$180 per claims year6

Add Day-to-day Module

Add Day-to-day Module

$300 per claims year6

Dietitian or nutritionist

 

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

$440 per claims year

Osteopath

 

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

$300 per claims year6

Chiropractor

 

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

$300 per claims year6

Registered massage therapist

 

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

No cover

Acupuncturist

 

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

No cover

Homeopath or naturopath

No cover

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

No cover

Podiatrist

No cover

No cover

No cover

No cover

Add Body Care Module

Add Body Care Module

$400 per claims year

Dental

75% of expenses up to $500 per claims year8 Tip All Southern Cross members can access special partner offers from Lumino

No cover

No cover

No cover

Add Keeping Well Module9 or Vision and Dental 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 claims year8 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers

No cover

No cover

No cover

Add Vision and Dental Module

Add Vision and Dental Module

Upgrade to UltraCare 400

Optometrist

75% of expenses up to $100 per claims year8 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers

No cover

No cover

No cover

Add Keeping Well Module9 or Vision and Dental Module

Add Keeping Well Module9 or Vision and Dental Module

$350 per claims year6 Tip All Southern Cross members can access special partner offers from OPSM and SpecSavers

Orthoptist

No cover

No cover

No cover

$128 per claims year

Add Vision and Dental Module

Add Vision and Dental Module

$200 per claims year

Prescriptions

No cover

No cover

No cover

$400 per claims year

Add Keeping Well Module9 or Day-to-day Module

Add Keeping Well Module9 or Day-to-day Module

$600 per claims year

Annual health check

No cover

No cover

No cover

No cover

Add Day-to-day Module

Add Day-to-day Module

$100 per claims year

Flu vaccination

No cover

No cover

No cover

No cover

Add Keeping Well Module9 or Day-to-day Module

Add Keeping Well Module9 or Day-to-day Module

One vaccination per claims year

Nurse consultations

No cover

No cover

No cover

$20 per visit

Add Keeping Well Module9 or Day-to-day Module

Add Keeping Well Module9 or Day-to-day Module

$30 per visit

Audiologist

No cover

No cover

No cover

$128 per claims year6

Add Keeping Well Module9 or Vision and Dental Module

Add Keeping Well Module9 or Vision and Dental Module

$200 per claims year

Hearing tests

No cover

No cover

No cover

$128 per claims year

Add Vision and Dental Module

Add Vision and Dental Module

$210 per claims year Tip All Southern Cross members can access special partner offers from hearing specialist Bloom

Brain stem evoked response tests

No cover

No cover

No cover

No cover

Add Vision and Dental Module

Add Vision and Dental Module

Refunded under Hearing tests

Clinical psychologist

No cover

No cover

No cover

No cover

Add Keeping Well Module9

Add Keeping Well Module9

$600 per claims year6

Recovery and support

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

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 claims year6,7

$900 per claims year6,7

$900 per claims year6,7

$2,800 per claims year6,7

$2,800 per claims year6,7

$2,800 per claims year6

Post-operative speech and language therapy

No cover

$350 per claims year6,7

$280 per claims year6,7

$280 per claims year6,7

$350 per claims year6,7

$350 per claims year6,7

$400 per claims year6

Post-operative physiotherapy

No cover

$300 per claims year6,7

$180 per claims year6,7

$180 per claims year6,7

$300 per claims year6,7

$300 per claims year6,7

$300 per claims year6,7

Ambulance allowance

No cover

$180 per claims year

$144 per claims year

$144 per claims year

$180 per claims year

$180 per claims year

$180 per claims year

Travel and accommodation allowance

No cover

$500 per claims year

$400 per claims year

$400 per claims year

$500 per claims year

$500 per claims year

$500 per claims year

Parent accommodation allowance

No cover

$500 per operation6

$400 per operation6

$400 per operation6

$500 per operation6

$500 per operation6

Refunded under surgical procedures

Palliative care and treatment allowance

No cover

$2,400 per claims year4

No cover

No cover

$2,400 per claims year4

$2,400 per claims year4

$2,400 per claims year4

Optional 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.

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.

Obstetrics

No cover

No cover

No cover

No cover

No cover

Obstetrics allowance

No cover

No cover

No cover

No cover

No cover

$750 per claims year5

$1,000 per claims year5

Non-surgical treatment

No cover

Does not cover non-surgical treatment relating to orthopaedics, gynaecology and urology except where directly required for the treatment of cancer. Restriction

IV infusions (non-cancer)

No cover

$750 per claims year

$600 per claims year

$600 per claims year

$750 per claims year

$750 per claims year

$1,000 per claims year

Psychiatric hospitalisation

No cover

$3,500 per claims year6

$2,250 per claims year6

$2,250 per claims year6

$3,500 per claims year6

$3,500 per claims year6

$3,500 per claims year6

Allergy services Allergy related healthcare services including allergy testing and desensitisation.

No cover

$750 per claims year13

$600 per claims year13

$600 per claims year13

$750 per claims year13

$750 per claims year13

$1,000 per claims year

Gastric banding/bypass allowance

No cover

No cover

$5,000 per lifetime2,4

$5,000 per lifetime2,4

$7,500 per lifetime2,4

$7,500 per lifetime2,4

$7,500 per lifetime4

Bilateral breast reduction allowance

No cover

No cover

$3,200 per lifetime2,4

$3,200 per lifetime2,4

$5,000 per lifetime2,4

$5,000 per lifetime2,4

$5,000 per lifetime4

Post mastectomy allowance

No cover

$6,500 per lifetime2

$6,500 per lifetime2

$6,500 per lifetime2

$6,500 per lifetime2

$6,500 per lifetime2

$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 lifetime2,4,11

$30,000 per lifetime2,4,11

$30,000 per lifetime2,4,11

$40,000 per lifetime2,4,11

$40,000 per lifetime2,4,11

$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

$5,000 per claims year

$5,000 per claims year

$30,000 per claims year

$30,000 per claims year

$30,000 per claims year

Extras

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 claims year4

No cover

No cover

$50 per claims year4

$50 per claims year4

$50 per claims year4

Accident and treatment injury top-up 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

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.

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.

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. Third and subsequent children are also free.

Yes. Third and subsequent children are also free.

1 Prosthesis maximums apply
2 Some healthcare services covered under this benefit must be performed by an Affiliated Provider
3 All healthcare services covered under this benefit must be performed by an Affiliated Provider
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, chemotherapy or radiotherapy
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 Unless specifically stated in your Membership Certificate, cover is not available where the high risk status was present prior to the original date of joining
12 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. A 2.5% Direct debit discount applies to the base plan plus any excess and/or modules but does not apply to Cancer Cover Plus. A 10% Healthy lifestyle reward applies to the premium of qualifying members for the base plan plus any excess and/or modules but does not apply to HealthEssentials, Cancer Cover Plus, Critical Illness and Cancer Assist. Terms and conditions apply.

** Wellbeing One and Wellbeing Two are our most popular plans based on 2020 membership data.

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.

Policy documents are effective from 15 March 2021 and are subject to change. Full details of the benefits, terms and conditions and exclusions are contained in the policy documents available here. Please read the policy document carefully to ensure you are satisfied that the health insurance plan you have chosen meets your needs and/or the needs of your family members.


Benefits

Prices include 2.5% direct debit discount and 10% Healthy lifestyle joining reward. Check eligibility

Basics
HealthEssentials

From $*

Starter
Wellbeing Starter

From $*

Shared Cover
KiwiCare

From $*

Shared Cover
RegularCare

From $*

Broad
Wellbeing One

From $*

Comprehensive
Wellbeing Two

From $*

Premium
UltraCare

From $*

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

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

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.

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.

Policy documents are effective from 15 March 2021 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 100 555 (Monday to Friday).