Next plan
There’s cover for cancer care, some surgical treatment along with specialist consultations, diagnostic imaging and tests (other than for restricted specialties) within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy. There isn’t cover for day-to-day services such as GP consultations or cover for vision and dental treatments, physiotherapy or optometry.
Recommended Plan
Basics HealthEssentials
A day-to-day health cover plan to help you actively manage your health. You can claim up to $1,250 in value every year. This plan provides cover for 75% of cost up to the policy limits for GP consultations, dentist visits, optometrist, prescription glasses and contact lenses, physiotherapist, chiropractor, osteopath, registered massage therapist, acupuncturist and dietitian/nutritionist.
Need a little extra? Select from these additional options†
Next plan
There’s cover for cancer care, some surgical treatment along with specialist consultations, diagnostic imaging and tests (other than for restricted specialties) within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy. There isn’t cover for day-to-day services such as GP consultations or cover for vision and dental treatments, physiotherapy or optometry.
Your plan
Save 2.5% with direct debit (T&C’s apply)
HealthEssentials
Applicants $
Total $ / fortnight
Previous plan
There’s more day-to-day cover including vision and dental treatment, physiotherapy and optometry but there isn’t any cover for surgical treatment, cancer care, specialist consultations, diagnostic imaging or tests.
Next plan
There’s a contribution towards cancer care, surgical treatment, specialist consultations, diagnostic imaging and tests. Upgrading to Cancer Cover Plus is possible. The Wellbeing Starter restrictions on cover for gynaecology, urology and orthopaedics don't apply. Does not include cover for day-to-day services such as GP consultations or physiotherapy.
Recommended Plan
Starter Wellbeing Starter
An entry-level plan designed to cover those big concerns like cancer and cardiac surgery. The plan includes cover for cancer care, some surgical procedures* and consultations**, diagnostic imaging, tests and recovery within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy. You'll also be able to claim for GP and physiotherapy visits. You can also add Cancer Assist or Critical Illness for additional trauma cover. This plan does not cover healthcare services for gynaecology, urology and orthopaedics (restricted specialties) unless directly required for the treatment of cancer.
Previous plan
There’s more day-to-day cover including vision and dental treatment, physiotherapy and optometry but there isn’t any cover for surgical treatment, cancer care, specialist consultations, diagnostic imaging or tests.
Need a little extra? Select from these additional options†
Next plan
There’s a contribution towards cancer care, surgical treatment, specialist consultations, diagnostic imaging and tests. Upgrading to Cancer Cover Plus is possible. The Wellbeing Starter restrictions on cover for gynaecology, urology and orthopaedics don't apply. Does not include cover for day-to-day services such as GP consultations or physiotherapy.
Your plan
Save 2.5% with direct debit (T&C’s apply)
Check your eligibility for our 10% Healthy lifestyle reward (T&C’s apply)
Wellbeing Starter
Applicants $
Cancer Assist
Applicants $
Critical Illness
Applicants $
Total $ / fortnight
Previous plan
There’s higher cover for some surgical treatment and healthcare services but there isn't cover for healthcare services for gynaecology, urology and orthopaedics (restricted specialities) unless directly required for the treatment of cancer. Includes a contribution towards GP and physiotherapy visits.
Next plan
There’s a contribution towards cancer care, surgical treatment, specialist consultations, diagnostic imaging and tests, as well as cover for day-to-day services such as GP consultations and physiotherapy.
Recommended Plan
Shared Cover KiwiCare
Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. This plan provides a contribution towards cancer care, surgical treatment*, specialist consultations, diagnostic imaging, tests and some recovery and support. To help reduce your premiums, you can add a $500 excess to your plan. Also you could upgrade to Cancer Cover Plus for increased chemotherapy for cancer cover or add Cancer Assist, Critical Illness for additional trauma cover.
Previous plan
There’s higher cover for some surgical treatment and healthcare services but there isn't cover for healthcare services for gynaecology, urology and orthopaedics (restricted specialities) unless directly required for the treatment of cancer. Includes a contribution towards GP and physiotherapy visits.
Need a little extra? Select from these additional options†
Next plan
There’s a contribution towards cancer care, surgical treatment, specialist consultations, diagnostic imaging and tests, as well as cover for day-to-day services such as GP consultations and physiotherapy.
Your plan
Save 2.5% with direct debit (T&C’s apply)
Check your eligibility for our 10% Healthy lifestyle reward (T&C’s apply)
KiwiCare
Applicants $
Cancer Assist
Applicants $
Critical Illness
Applicants $
Total $ / fortnight
Previous plan
There’s a contribution towards cancer care, surgical procedures, specialist consultations, diagnostic imaging and tests. There isn’t cover for day-to-day services such as prescriptions or GP consultations.
Next plan
There’s cover for cancer care, surgical treatment, along with cover for specialist consultations, diagnostic imaging and tests incurred within 6 months of related eligible surgical treatment or cancer care. Modules for day-to-day health cover as well as vision and dental can be added.
Recommended Plan
Shared Cover RegularCare
Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive. This plan provides a contribution towards cancer care, surgical treatment*, specialist consultations, diagnostic imaging, tests and some recovery, support and day-to-day treatments. To help reduce your premiums, you can add a $500 excess to your plan. You could upgrade to Cancer Cover Plus for increased chemotherapy for cancer cover or add Cancer Assist, Critical Illness for additional trauma cover.
Previous plan
There’s a contribution towards cancer care, surgical procedures, specialist consultations, diagnostic imaging and tests. There isn’t cover for day-to-day services such as prescriptions or GP consultations.
Need a little extra? Select from these additional options†
Next plan
There’s cover for cancer care, surgical treatment, along with cover for specialist consultations, diagnostic imaging and tests incurred within 6 months of related eligible surgical treatment or cancer care. Modules for day-to-day health cover as well as vision and dental can be added.
Your plan
Save 2.5% with direct debit (T&C’s apply)
Check your eligibility for our 10% Healthy lifestyle reward (T&C’s apply)
RegularCare
Applicants $
Cancer Assist
Applicants $
Critical Illness
Applicants $
Total $ / fortnight
Previous plan
There’s a contribution (with lower benefit maximums) towards cancer care, surgical treatment, specialist consultations, diagnostic imaging and tests, as well as day-to-day healthcare such as prescriptions and GP consultations.
Next plan
There’s cover for specialist consultations, diagnostic imaging and tests, whether they relate to surgical treatment or cancer care, or not. An obstetrics allowance and laboratory benefit are also included.
Recommended Plan
Broad Wellbeing One
A broad surgical and healthcare plan for peace of mind. The plan includes cover for cancer care, unlimited surgical procedures* and consultations**, diagnostic imaging, tests and recovery within 6 months of a related eligible surgical treatment, chemotherapy or radiotherapy. To reduce your premiums apply an excess of $500, $1,000, $2,000 or $4,000. You could upgrade to Cancer Cover Plus for increased chemotherapy for cancer cover or add modules for additional healthcare services and Cancer Assist or Critical Illness for additional trauma cover.
Previous plan
There’s a contribution (with lower benefit maximums) towards cancer care, surgical treatment, specialist consultations, diagnostic imaging and tests, as well as day-to-day healthcare such as prescriptions and GP consultations.
Need a little extra? Select from these additional options†
Next plan
There’s cover for specialist consultations, diagnostic imaging and tests, whether they relate to surgical treatment or cancer care, or not. An obstetrics allowance and laboratory benefit are also included.
Your plan
Payment:
Save 2.5% with direct debit (T&C’s apply)
Check your eligibility for our 10% Healthy lifestyle reward (T&C’s apply)
Wellbeing One
Applicants $
Cancer Assist
Applicants $
Critical Illness
Applicants $
Total $ / fortnight
Previous plan
There’s cover for consultations, diagnostic imaging and tests if they're within 6 months of related eligible surgical treatment or cancer care. Does not include an obstetrics allowance and laboratory test benefit.
Next plan
There’s cover for qualifying pre-existing conditions (after 3 years of continuous cover), unlimited surgical cover, day-to-day benefits as well as optional dental and vision benefits.
Recommended Plan
Comprehensive Wellbeing Two
A comprehensive surgical plan. This plan includes cover for cancer care and surgical treatment*, with the advantage of cover for specialist consultations, diagnostic imaging and tests at any time. For those planning a new addition to the family, this plan includes an obstetrics allowance (after 1 year). To help reduce your premiums, you can add a $500, $1,000, $2,000 or $4,000 excess to your plan. You could upgrade to Cancer Cover Plus for increased chemotherapy for cancer cover or add modules for additional healthcare services and Cancer Assist or Critical Illness for additional trauma cover.
Previous plan
There’s cover for consultations, diagnostic imaging and tests if they're within 6 months of related eligible surgical treatment or cancer care. Does not include an obstetrics allowance and laboratory test benefit.
Need a little extra? Select from these additional options†
Next plan
There’s cover for qualifying pre-existing conditions (after 3 years of continuous cover), unlimited surgical cover, day-to-day benefits as well as optional dental and vision benefits.
Your plan
Payment:
Save 2.5% with direct debit (T&C’s apply)
Check your eligibility for our 10% Healthy lifestyle reward (T&C’s apply)
Wellbeing Two
Applicants $
Cancer Assist
Applicants $
Critical Illness
Applicants $
Total $ / fortnight
Previous plan
Pre-existing conditions won't be covered. Day-to-day healthcare or vision and dental care is not included in the base plan but can be added as optional modules.
Recommended Plan
Premium UltraCare
A premium surgical, healthcare and day-to-day plan for those who want the highest level of cover. This plan 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 3 years of continuous cover (except under Cancer Cover Plus). For those planning a new addition to the family, this plan includes an obstetrics allowance (after 1 year of continuous cover). You could upgrade to Cancer Cover Plus for increased chemotherapy for cancer cover.
Previous plan
Pre-existing conditions won't be covered. Day-to-day healthcare or vision and dental care is not included in the base plan but can be added as optional modules.
Need a little extra? Select from these additional options†
Your plan
Save 2.5% with direct debit (T&C’s apply)
Check your eligibility for our 10% Healthy lifestyle reward (T&C’s apply)
UltraCare
Applicants $
Cancer Assist
Applicants $
Critical Illness
Applicants $
Total $ / fortnight
Our plan comparison tool provides general information about the main benefits and features of our plans, but does not provide recommendations or other financial advice about which plan may suit you or your family. If you would like to receive financial advice from us to understand which of our health insurance plans best suit your specific needs and/or the needs of your family members, please call us on 0800 100 555 to speak to one of our representatives. We’re here to help Monday to Friday.