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 * Join
 * My Southern Cross
   * Adviser Gateway
   * Easy-claim
   * Provider Web
   * Work Scheme Gateway
   * BeingWellPlus

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 * Home
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 * Plans
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 * Help
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 * 中文

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 * Home
 * Join
   * Member benefits
   * Why get health insurance
   * Why choose us
   * Member stories
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   * Overseas suspension
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     * Suspicious activity form
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 * 中文

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HELP AND SUPPORT

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FAQS AND QUICK ANSWERS

Joining Southern Cross
About my Policy
Billing and renewals
Claiming
My Southern Cross and app
Seeing a healthcare provider


COMMON QUESTIONS

 * CAN PEOPLE ON MY POLICY BE ON DIFFERENT PLANS?
   
   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.

 * AFTER JOINING, WHEN CAN I START CLAIMING ON THE POLICY? IS THERE A STAND-DOWN
   PERIOD?
   
   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.




 * What we offer
   
   
   WHAT WE OFFER
   
    * Quote and apply
    * Critical Illness insurance
    * My Southern Cross
    * Affiliated Providers
   
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 * Who we're for
   
   
   WHO WE ARE FOR
   
    * New members
    * Existing members
    * Health professionals
    * Businesses
    * For Advisers
   
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 * Other Southern Cross Group sites
   
   
   OTHER SOUTHERN CROSS GROUP SITES
   
    * Healthcare services
    * Hospitals
    * Pet Insurance
    * Travel Insurance
    * Life Insurance
    * About the Group
   
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 * Important information
   
   
   IMPORTANT INFORMATION
   
    * Financial Advice Disclosure
    * Member privacy statement
    * Cookies policy
    * Financial Strength Solvency and Legal
    * Terms and conditions
    * Complaints disclosure
    * Trust centre
   
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 * Quick links
   
   
   QUICK LINKS
   
    * Claims
    * Careers
    * Request cover or prior approval
    * Plan documents
    * Health insurance plans
    * Facebook
   
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 * Help links
   
   
   HELP LINKS
   
    * Member FAQs
    * Contact
    * New Member card
    * Medical terms glossary
    * Media releases
    * Complaint form
   
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GOT TO A SOUTHERN CROSS WEBSITE

 * Go to a Southern Cross website
 * Health insurance
 * Healthcare & Hospitals
 * Pet Insurance
 * Travel Insurance
 * Life Insurance
 * About the group

© Southern Cross Medical Care Society
 * Financial Strength Rating and Solvency
 * Terms of use

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), R (Regulatory Action),
NR (Not Rated). 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.standardandpoors.com. Standard & Poor’s is an approved rating agency under
the Insurance (Prudential Supervision) Act 2010.