First opening back in 1961, Southern Cross Health Insurance has become one of New Zealand’s most trusted brands for private healthcare. They take a non-profit oriented approach when it comes to healthcare, allowing them to play an important role in the NZ health sector.
Southern Cross Health Insurance NZ takes pride in their not-for-profit focus, having looked after Kiwis’ health for over 50 years. They are also family-oriented, allowing members to add their children to their policy until they are 21 years of age, with the rest of the children free after the second child is added.
This plan is designed to help Kiwis with their everyday healthcare costs. It doesn’t cover things like surgical or specialist consultations, but it can help with daily expenses like GP and dental. Claims for these can be made straight away, and Kiwis can claim up to $1,250 a year. This day-to-day plan also covers glasses, contact lenses, dietitians/nutritionists, massage therapists and other consultations up to their policy limits.
This is Southern Cross’ entry-level health insurance plan, primarily dealing with concerns like cancer and cardiac surgery. It also includes cover for cancer care, diagnostic imaging, recovery, and consultations within 6 months of eligible treatments. Optional cover under this policy includes their Cancer Assist; an one-off payment over and above your insurance plan should you be diagnosed with cancer, and Critical Illness; an add-on that provides extra financial support for other illnesses like stroke or heart attack.
Wellbeing One is a broad plan for surgical and healthcare needs, providing coverage for cancer care, unlimited surgical procedures, consultations, and tests and recovery. It’s even possible to reduce your premiums by applying for excess ranging from $500 to $4000.
Wellbeing One plans provide options to add modules to further tailor your cover. This plan has the option to add the following:
This is their more comprehensive healthcare plan, which includes a wider range of coverage for consultations and surgical procedures. The primary difference is the number of modules they can add-on. In the case of Wellbeing Two, these are:
This is Southern Cross’ premium surgical and healthcare plan providing the highest level of cover. This includes general services covered in the previous plans with the addition of any qualified pre-existing conditions being covered after three years. Under this policy, it’s possible for holders to choose their own specialists and even upgrade their plan to include Ultracare’s optional Vision and Dental module, which includes glasses/lenses.
Southern Cross Health Insurance claims are very easy to file! You can do it online or through their My Southern Cross Mobile App with just a few easy steps. Given that they’ve paid 89% of the premiums that they received as claims, you can rest assured that your likelihood of getting approved is high.
It will depend on the size of the images you need to upload when filing a claim. If you have a limited plan, you may want to use a Wi-fi connection for this whenever possible. Of course, only policyholders can make a claim using the app.
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