# Southern Cross — NZ health insurance

**Legal entity:** Southern Cross Medical Care Society
**Website:** <https://www.southerncross.co.nz>
**RBNZ financial strength rating:** A+ (S&P, Strong, Stable — Dec 2024)

Southern Cross is a New Zealand private health insurance provider. Premiums are individually quote-based — this page mirrors the publicly disclosed policy facts only.

## Active products

### KiwiCare

- **Wording version:** 2026-04-01
- **Source wording PDF:** <https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_KiwiCare_plan.pdf>

### RegularCare

- **Wording version:** 2026-04-01
- **Source wording PDF:** <https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_RegularCare_plan.pdf>

### UltraCare

- **Wording version:** 2026-04-01
- **Source wording PDF:** <https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_UltraCare_plan.pdf>

### Wellbeing Modules

- **Wording version:** 2026-04-01
- **Source wording PDF:** <https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf>

### Wellbeing One

- **Wording version:** 2026-04-01
- **Source wording PDF:** <https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf>

### Wellbeing Two

- **Wording version:** 2026-04-01
- **Source wording PDF:** <https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf>

## Machine-readable endpoints

- Insurer facts: <https://healthinsurancecomparison.co.nz/api/insurer/southern-cross/facts.json>
- Insurer summary: <https://healthinsurancecomparison.co.nz/api/insurer/southern-cross/summary.md>
- KiwiCare facts: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/kiwicare/facts.json>
- KiwiCare full wording: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/kiwicare/wording.md>
- RegularCare facts: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/regularcare/facts.json>
- RegularCare full wording: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/regularcare/wording.md>
- UltraCare facts: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/ultracare/facts.json>
- UltraCare full wording: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/ultracare/wording.md>
- Wellbeing Modules facts: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/wellbeing-modules/facts.json>
- Wellbeing Modules full wording: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/wellbeing-modules/wording.md>
- Wellbeing One facts: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/wellbeing-one/facts.json>
- Wellbeing One full wording: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/wellbeing-one/wording.md>
- Wellbeing Two facts: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/wellbeing-two/facts.json>
- Wellbeing Two full wording: <https://healthinsurancecomparison.co.nz/api/product/southern-cross/wellbeing-two/wording.md>

## Verify

- HTML review: <https://healthinsurancecomparison.co.nz/reviews/southern-cross/>
- RBNZ Financial Strength Register: <https://bankregister.rbnz.govt.nz/>

*HealthInsuranceComparison.co.nz mirrors publicly disclosed policy facts extracted from insurer wordings. We are not a Financial Advice Provider; this content is information only, not personal financial advice.*

*Generated: 2026-05-26*