RegularCare
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*Subject to change. T&Cs apply. CareHQ health coaching consults not included.
*Subject to change. T&Cs apply. CareHQ health coaching consults not included.
A shared cover surgical and healthcare plan with day-to-day health cover. Shared cover means you and Southern Cross each pay some of the costs of the healthcare services you receive.
This plan covers up to 80% of costs for eligible healthcare services, including surgical and cancer treatment, specialist consultations, and diagnostics provided at any time, as well as some day-to-day healthcare services, up to the policy limits.
If you’d like a shared health insurance plan without cover for day-to-day services, our KiwiCare plan could be one to consider.
See the benefit summary document below for a more detailed view of the benefits, and the policy documents for full terms and conditions, including exclusions.
1. Must be performed by an Affiliated Provider.
2. Some diagnostic imaging and tests must be performed by an Affiliated Provider.
3. Prosthesis maximums apply. Some surgical procedures must be performed by an Affiliated Provider.
Policy terms and conditions, including policy maximums and exclusions apply.
You can access membership benefits at no extra cost, no matter which health insurance plan you choose.
Online GP and nurse consults with CareHQ, when booked through the MySouthernCross app*.
Up to three online mental health sessions with Raise each claims year* to help you access the support you need on any issues impacting your life.
An annual health check with MedPro each claims year, including advice to manage your health, for members 16 years and over*.
You can upgrade from the ‘Chemotherapy for cancer’ benefit to Cancer Cover Plus. This gives you a higher level of cover for costs associated with chemotherapy treatment, including for chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated.
Cancer Cover Plus upgrades are fully underwritten, regardless of any pre-existing condition concessions. Eligibility criteria apply. Only available to purchase where all members on a policy are under 60 years old.
A Cancer Assist policy provides a one-off payment if you’re diagnosed with a qualifying cancer. Spend this payment on what’s important to you at a time when you need it most.
Learn moreA Critical Illness policy provides a one-off payment if you have a confirmed diagnosis of a critical illness event, such as a heart attack, stroke, qualifying cancer, paralysis, organ failure or loss of independent living. You can use your Critical Illness payment to help take care of you and your family, so you can focus on recovery.
Learn moreAdding an excess is one way you can reduce your premiums. The excess only applies to surgical procedures, chemotherapy (including Cancer Cover Plus) and radiotherapy. You don't need to pay the excess when claiming on other benefits of the policy
RegularCare offers an excess option of $500.
Excess applies to each person covered under the policy and is only payable once each claims year.
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 Standard & Poor’s (Australia) Pty Limited. 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 www.spglobal.com/ratings/en/about/intro-to-credit-ratings. Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.
