RegularCare

A shared cover plan where you and Southern Cross each pay some of the costs of the eligible healthcare services you receive.

This plan covers up to 80% of costs for eligible healthcare services, including surgical and cancer treatment, specialist consultations, and diagnostics provided at any time, as well as some day-to-day healthcare services, up to the policy limits.

KiwiCare is a shared cover plan which provides the same benefits as RegularCare, except for day-to-day healthcare services.

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RegularCare provides up to 80% cover for:

Specialist consultations1 at any time
Diagnostic imaging and tests2 at any time
Cancer treatment1
Surgical treatment3
Recovery services within 6 months of related eligible cancer treatment or surgical treatment
Support services
Allergy services
Day-to-day treatment
IV infusions (non-cancer)
Overseas treatment allowance
Psychiatrist consultations
Skin lesion services1
Surgical allowances

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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.

1. Must be performed by an Affiliated Provider.
2. Some diagnostic imaging and tests must be performed by an Affiliated Provider.
3. 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 and nurse consults with CareHQ, when booked through 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*.

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*Subject to change. T&Cs apply. CareHQ health coaching consults not included.

Option to increase your cover for chemotherapy

You can upgrade from the ‘Chemotherapy for cancer (base)’ 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.

Find out more

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Extra cover options

Alongside your RegularCare 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.
Learn more
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.
Learn more

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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' benefit, 'Chemotherapy for cancer (base)' benefit including the 'Cancer Cover Plus' options and 'Radiotherapy' Benefit. You don't need to pay the excess when claiming on other benefits of the policy.

RegularCare offers an excess option of $500.

Excess applies to each person covered under the policy and is only payable once each claims year.

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Get a quote

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Back to plans

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

Our team are happy to help:
Monday to Thursday 9:00am - 5:00pm
Friday 9:00am - 4:30pm

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RegularCare health insurance plan

You can find the policy document and view the various documents that form part of the RegularCare policy below.

RegularCare

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Already a member?

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RegularCare provides up to 80% cover for:

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Additional benefits of membership

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Option to increase your cover for chemotherapy

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Extra cover options

Cancer Assist

Critical Illness

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Option to reduce your insurance premium with an excess

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Need more help in finding the right health insurance for you?

Call us on 0800 100 555

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RegularCare health insurance plan

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Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

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What we offer

Who we're for

Important information

Quick links

Help links

Open links

Already a member?

Additional benefits of membership

Option to increase your cover for chemotherapy

Cancer Assist

Critical Illness

Option to reduce your insurance premium with an excess

Need more help in finding the right health insurance for you?

Call us on 0800 100 555

Policy document and benefit summary

Other documents that make up your policy

Other helpful documents

What we offer

Who we're for

Important information

Quick links

Help links

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