KiwiCare
KiwiCare is a shared cover health insurance plan. Shared cover means you and Southern Cross each pay some of the costs for healthcare services you receive. This plan covers up to 80% of costs for eligible medical and healthcare services, including cancer and surgical treatment, specialist consultations, diagnostic imaging, tests and some recovery and support services.
The policyholder will pay the remaining balance towards any treatment claimed for.
This plan does not have day-to-day cover. If you’d like cover for day-to-day healthcare too, RegularCare could be an option for you.
Already a member?
KiwiCare provides up to 80% cover for:
- Specialist consultations at any time1
- Diagnostic imaging and tests2 at any time
- Chemotherapy for cancer and radiotherapy treatments1
- Surgical treatment3
- Recovery services within 6 months of related eligible surgical treatment, chemotherapy or radiotherapy
- Support services
- And more
See the benefit summary document below for a more detailed view of the benefits, and the policy documents for full terms and conditions, including exclusions.
- Must be performed by an Affiliated Provider.
- Some diagnostic imaging and tests must be performed by an Affiliated Provider.
- Prosthesis maximums apply. Some surgical procedures must be performed by an Affiliated Provider.
Policy terms and conditions, including policy maximums and exclusions apply.
Additional benefits of membership
You can access membership benefits at no extra cost, no matter which health insurance plan you choose.
Online GP consults with CareHQ from 7am-7pm when you book via the MySouthernCross app*.
Up to three online mental health sessions with Raise each claims year* to help you access the support you need on any issues impacting your life.
An annual health check with MedPro each claims year, including advice to manage your health, for members 16 years and over*.
Option to increase your cover for chemotherapy
You can upgrade from the ‘Chemotherapy for cancer’ benefit to Cancer Cover Plus. This gives you a higher level of cover for costs associated with chemotherapy treatment, including for chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated.
Cancer Cover Plus upgrades are fully underwritten, regardless of any pre-existing condition concessions. Eligibility criteria apply. Only available to purchase where all members on a policy are under 60 years old.Extra cover options
Alongside your KiwiCare plan, you can add extra cover that provides a lump sum payment for serious illnesses or trauma events. Each can provide extra financial support during a tough time:
Cancer Assist
A Cancer Assist policy provides a one-off payment if you’re diagnosed with a qualifying cancer. Spend this payment on what’s important to you at a time when you need it most.
Eligibility criteria, policy terms and conditions, including exclusions apply.
Critical Illness
A Critical Illness policy provides a one-off payment if you have a confirmed diagnosis of a critical illness event, such as a heart attack, stroke, qualifying cancer, paralysis, organ failure or loss of independent living.
You can use your Critical Illness payment to help take care of you and your family, so you can focus on recovery.
Eligibility criteria, policy terms and conditions, including exclusions apply.
Option to reduce your insurance premium with an excess
Adding an excess is one way you can reduce your premiums. The excess only applies to surgical procedures, chemotherapy (including Cancer Cover Plus) and radiotherapy. You don't need to pay the excess when claiming on other benefits of the policy
KiwiCare offers an excess option of $500.
Excess applies to each person covered under the policy and is only payable once each claims year.
Need more help in finding the right health insurance for you?
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KiwiCare health insurance plan
You can find the policy document and view the various documents that form part of the KiwiCare policy below.
