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Southern Cross
New Zealand's Most Trusted Health Insurer — NZ-Owned Not-for-Profit
4.8/5
Customer Rating
$86
Starting Price
Best Value
Recognition
NZ Wide
Coverage
About Southern Cross
Southern Cross Health Society is New Zealand's largest health insurer, with a not-for-profit structure that means member benefits come first. Covering over 900,000 New Zealanders, they offer comprehensive policies and strong brand reputation. As a not-for-profit society, surplus funds return to members.
Strengths
- ✓Largest NZ health insurer with 900,000+ members
- ✓Not-for-profit structure — surplus returns to members
- ✓Comprehensive policy options including premium cover
- ✓Strong financial stability and claims history since 1964
- ✓Established brand with deep community trust
- ✓Wide network of private hospitals and specialists
Considerations
- −Premiums 20-30% higher than Partners Life for equivalent cover
- −Digital experience lags slightly behind newer competitors
- −Less flexibility in customising policy structures
- −Premium increases can be higher than others
Best For
- • Families seeking comprehensive cover
- • Those who value not-for-profit structure
- • Kiwis wanting the most established brand
- • Comprehensive policy seekers
Coverage Types
Hospital & Surgical
Specialists & Diagnostics
Cancer Care
Everyday Health Cover
Mental Health Support
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Compare Southern Cross with Other Providers
See how Southern Cross stacks up against Southern Cross, nib, AIA, Accuro, and Partners Life.
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