Why do you need health insurance?

Most New Zealanders recognise the value of health insurance, because nearly everyone has a friend or family member who has had to wait for treatment on a public hospital waiting list.

Health insurance gives your clients options so they can access treatment for qualifying medical conditions quickly. It helps them avoid public hospital waiting lists, and gives them choice over when and where they have their qualifying treatment.

Benefits for individual members

When you’re talking to individual clients about the benefits of health insurance, here are some facts and observations that can help.

• Health insurance offers the peace of mind of being able to access treatment for qualifying medical conditions they need, at a time and place of their choice.
• Health insurance can get them back on their feet quicker, as there is no waiting for treatment on public hospital waiting lists.
• Faster treatment can mean a better quality of life.
• Southern Cross offers a range of health plan options so they can choose a plan to suit their lifestyle and budget. As well as excesses which can reduce the premiums, there are also a number of easy payment options.

Benefits for work scheme members

For employers there are some special concessions that are only available for work schemes. Try presenting these facts to the decision maker:

• Members have access to qualifying treatment that fits in with their life and work, helping to prevent long term health problems that could affect productivity.
• Competitive premiums.  Work scheme concessions begin at five subsidised employees.
• Qualifying pre-existing conditions cover is available for work schemes of 15 or more subsidised employees.*
• Work scheme members are underwritten at acceptance of their application and there is no stand-down period.
• Subsidised health cover provides a solid reason for existing employees to stay where they are. And when there is a need to recruit, it can help to make a workplace attractive to the best candidates.

* Terms and conditions apply. Click here for details.

Why choose Southern Cross Health Society?

• Southern Cross Health Society is New Zealand’s favourite health insurer.
• Your clients will enjoy the advantages of our Southern Cross Member programme. No other health insurer in New Zealand can match the extra benefits found in our Member programme, click here for more details.
• Southern Cross members get a 15% discount off the non-member rate for TravelCare from Southern Cross Travel Insurance.  And if they buy online they get a further 20% off.
• Prior approval is an important service we provide to give your clients certainty about their level of cover for high-cost healthcare services (typically surgery). Prior approval can also simplify the claim process after they have undergone the healthcare service.
• Southern Cross Health Society is the only health insurer in New Zealand with an Affiliated Provider network. The medical professionals and health facilities within this network provide Southern Cross members with certain services at agreed prices. The Affiliated Provider will organise prior approval for the service and submit invoices for the covered amount directly to us.