Southern Cross

What does Southern Cross Wellbeing Modules cover?

Wellbeing Modules is a health insurance plan from Southern Cross. Its policy wording (effective 1 April 2026) sets 1 listed exclusion.

Wording effective 1 April 2026 Current Source PDF ↗ · Machine-extracted from the PDF; not human-reviewed. The PDF is authoritative.

What are the waiting periods on Wellbeing Modules?

No general waiting period is on file for this plan. That is not the same as no wait: check the pre-existing conditions section below and the PDF.

Only general waits stated in the wording are shown. Individual benefits can have their own, longer waits (some start only after 3 years of continuous cover), and your policy certificate can list personal exclusions, so confirm in the policy wording.

Compare across insurers: NZ health insurance waiting periods.

What excess options does Wellbeing Modules have?

No excess amounts were extracted from this wording; excess is usually chosen on application.

What are the benefit limits on Wellbeing Modules?

Wellbeing Modules benefit sublimits in NZD
Benefit	Limit
Physiotherapy	$300
Body care podiatry	$250
Day to day gp per visit	$65
Vision dental audiology	$200
Day to day prescriptions	$600
Vision dental orthoptist	$200
Day to day flu vaccination	Cost of 1 vaccination each claims year
Day to day nurse per visit	$30
Keeping well prescriptions	$100
Keeping well flu vaccination	Cost of 1 vaccination each claims year
Vision dental dental services	75% of costs incurred up to $750 each claims year
Day to day annual health check	$90
Body care dietitian nutritionist	$250
Keeping well clinical psychology	$100
Vision dental prescription eyewear	75% of costs incurred up to $500 each claims year
Vision dental optometry consultation	$50
Vision dental brainstem auditory evoked response	$210
Keeping well combined gp nurse optometry audiology dental	$200
Body care acupuncturist massage chiro osteo homeopath naturopath	$500

What does Wellbeing Modules not cover?

excludes cover for drugs that are not Pharmac approved

All Southern Cross exclusions side by side: Southern Cross exclusions.

How does Wellbeing Modules handle Pharmac drugs, ACC, mental health and pre-existing conditions?