Southern Cross Health Insurance Review 2025
Comprehensive review of New Zealand's largest health insurer. Coverage analysis, costs, benefits, and expert insights.
Quick Summary
Southern Cross Health Insurance Overview
Southern Cross Health Society is New Zealand's largest health insurance provider, holding approximately 60% of the private health insurance market. Established in 1961, the company operates as a not-for-profit organization, meaning profits are reinvested back into member benefits and services.
With over 60 years of experience in the New Zealand health insurance market, Southern Cross offers the most extensive provider network and comprehensive coverage options. Their plans range from basic hospital cover to comprehensive policies that include hospital, extras, and wellbeing benefits.
Key Features
Company Facts
Southern Cross Plans & Pricing
RegularCare
Hospital Only
WellbeingTwo
Hospital + Extras
WellbeingOne
Comprehensive
Southern Cross: Pros & Cons
Pros
Largest Provider Network
Most extensive network of hospitals, specialists, and healthcare providers in NZ
Established Reputation
60+ years of experience and trusted brand with strong financial stability
Comprehensive Coverage
Wide range of plans from basic hospital to comprehensive wellbeing options
Not-for-Profit Structure
Profits reinvested into member benefits and improved services
Claims Processing
Efficient claims handling with MySouthernCross app and online portal
Member Benefits
Additional perks like health checks, discounts, and wellbeing programs
Cons
Higher Premiums
Generally more expensive than competitors, especially for comprehensive plans
Complex Plan Structure
Multiple plan options can be confusing to compare and understand
Waiting Periods
Standard 6-12 month waiting periods for pre-existing conditions
Annual Premium Increases
Regular premium increases that can exceed inflation rates
Coverage Exclusions
Some treatments and conditions may not be covered or have limitations
Customer Service Wait Times
Can experience longer wait times during peak periods due to large member base
What Customers Say About Southern Cross
"Excellent coverage and the largest network of providers. Yes, it's more expensive, but you get what you pay for. Claims are processed quickly through their app."
"Been with Southern Cross for 8 years. Great hospital coverage and the peace of mind is worth the premium. Customer service could be better during busy periods."
"Good coverage but expensive. The premium increases each year are getting harder to manage. Looking at other options when my policy renews."
Final Verdict: Is Southern Cross Worth It?
Excellent Choice for Comprehensive Coverage
Southern Cross Health Insurance remains New Zealand's market leader for good reason. While premiums are higher than competitors, the extensive provider network, comprehensive coverage options, and established reputation make it an excellent choice for those prioritizing quality and breadth of coverage over cost savings.
Best suited for:
- • Those wanting comprehensive coverage
- • People who value provider choice
- • Families needing extensive benefits
- • Those with chronic conditions
Consider alternatives if:
- • Budget is a primary concern
- • You want simple, basic coverage
- • You rarely use healthcare services
- • You prefer newer, more agile insurers
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