Does Southern Cross UltraCare cover bariatric surgery?
Southern Cross UltraCare does NOT cover bariatric (weight-loss) surgery according to its current policy wording.
Policy wording effective 2026-04-01 · extracted by us on 2026-05-16 · extraction confidence inferred
Verbatim from the policy wording
Pre-existing conditions are excluded unless clearly stated otherwise on the membership certificate. This exclusion does not apply after 3 years of continuous cover on this plan, and does not apply to cover under the 'Day-to-day treatment' benefit or the 'Vision and Dental' benefit (UltraCare 400 plan). Pre-existing conditions disclosed by the policyholder are listed on the membership certificate. If information on the membership certificate contradicts this policy document, the membership certificate takes precedence.
Relevant sublimits (NZD)
- gastric banding or bypass lifetime $7,500
Relevant exclusions in the wording
- Treatment of obesity including weight loss surgery (except Gastric banding or bypass allowance)
Related
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About this answer. Extracted from Southern Cross's published policy wording effective 2026-04-01 on 2026-05-16 (PDF sha256
a6254b23187c493f…). If the policy has been updated since that date, the verbatim text above may be out of date — the authoritative answer is always the source PDF linked, not our derived facts.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 UltraCare suits your situation, consult a licensed Financial Advice Provider (we are Evolve Group Limited, FSP711891 — see /quotes/).