You can claim for most benefits on our health insurance policies straight away, although some benefits require a period of continuous cover before you can claim (loyalty benefits). You can check your policy document to confirm the loyalty benefits.
Our HealthEssentials plan has a three month stand-down period for dental treatment, optometrist consultations and prescription glasses/contact lenses.
All members need to be on the same plan as the policyholder, this includes any modules that have been added. If a member is over 18 and wants to be on a different plan, they will need to transfer to their own policy. Members can have Critical Illness and Cancer Assist individually.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) is a licensed insurer and a licensed financial advice provider. For more information about the financial advice service we provide and a copy of our public disclosure statement please visit southerncross.co.nz/disclosure-statement.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by S&P Global Ratings Australia Pty Ltd. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at S&P Global Ratings. S&P Global Ratings Australia Pty Ltd is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.