FMG Southern Cross Health Insurance Using Your Health Insurance

You’ll be in good hands

  • Southern Cross Health Society is New Zealand’s most trusted health insurer.1
  • They care for the health of more than 870,000 Kiwis.
  • They’re a not-for-profit organisation that cares about its members, not shareholders.

Claiming is easy
Southern Cross pays more claims than any other New Zealand health insurer2, and claiming is easy. You can claim online or via the My Southern Cross app. And when you’re using an Affiliated Provider or Easy-Claim provider, they’ll organise pre-approval and manage the claim for you.

Easily manage your policy with My Southern Cross online and download the free My Southern Cross app.

Save with healthy discounts
On top of your health cover, as a Southern Cross member you also get discounts and specials from places like Lumino the Dentists, OPSM, Specsavers, Les Mills, Pita Pit, Southern Cross Life Insurance and Southern Cross Pet Insurance.

Access to a virtual GP, when and where it suits you
With CareHQ, you and your family can see a General Practitioner (GP) from your smartphone, when and where it suits you – 7 days a week, 7am – 7pm every day of the year. Find out more about CareHQ here.

Watch how others have valued their health insurance

These young Kiwis didn’t think they needed health insurance, but now they wouldn’t be without it.

Graham, Cardrona. ‘Spy’ is the guy who made snowboarding a global sport in New Zealand. He also faced aggressive prostate cancer at a young age. Watch Graham's story »

Stevie, Ashburton. Stevie loves how easy it is to claim using the My Southern Cross app. Watch Stevie's story ».

Natalie, Lincoln. Natalie had no idea how much she would need her health insurance to help with the cost and timing of two major surgeries. Watch Natalie's story »

Dylan, South Auckland. Dylan just wanted to be able to lift his child, but he couldn’t. Southern Cross helped him on his road back to health. Watch Dylan's story »

1Winner of the Reader's Digest Most Trusted Brands for Health Insurance, 2017 - 2020.
2Southern Cross paid 72% of all health insurance claims paid in NZ in 2019, based on Health Funds Association of NZ data, May 2020.

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