Does Southern Cross RegularCare cover pre-existing conditions?
Southern Cross RegularCare does NOT cover pre-existing conditions according to its current policy wording.
Policy wording effective 2026-04-01 · extracted by us on 2026-05-16 · extraction confidence verified
Verbatim from the policy wording
The policy does not cover any costs related to, or incurred as a consequence of, any pre-existing conditions unless clearly stated otherwise on the membership certificate. This exclusion does not apply to cover provided under the 'Day-to-day treatment' benefit for RegularCare plan holders. The policyholder must disclose any health conditions, signs, symptoms on application. Pre-existing conditions may be noted on the membership certificate.
Relevant exclusions in the wording
- Pre-existing conditions unless clearly stated otherwise on your membership certificate (this exclusion doesn't apply to cover provided under the 'Day-to-day treatment' benefit if you have the RegularCare plan)
Related
Not sure if Southern Cross RegularCare is the right policy for you?
Take the 60-second quick-pick — we'll rank every active NZ health product by how well it covers pre-existing conditions for your situation. Or skip straight to a real quote for this product.
About this answer. Extracted from Southern Cross's published policy wording effective 2026-04-01 on 2026-05-16 (PDF sha256
369d048b250ce08c…). If the policy has been updated since that date, the verbatim text above may be out of date — the authoritative answer is always the source PDF linked, not our derived facts. For personalised advice on whether Southern Cross RegularCare suits your situation, consult a licensed Financial Advice Provider (we are Evolve Group Limited, FSP711891 — see /quotes/).