Critical Illness is extra cover you can have alongside your Southern Cross health insurance plan (excluding HealthEssentials). It can provide you with additional support over and above your health insurance cover through a one-off payment if you have a confirmed diagnosis of a critical illness or trauma event. You’ll need a Southern Cross Health Insurance plan (excluding HealthEssentials) to add a Critical Illness policy.
If you’d like one-off payment cover for only cancer, consider looking at our Cancer Assist plan.
You can choose your level of cover: $20,000, $50,000, $100,000, $200,000, and $300,000.
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 living1, you’ll receive the amount you have chosen as a tax-free one-off payment to spend on what’s important to you. At what is undoubtedly a stressful time, you can use your Critical Illness payment to help take care of you and your family so you can focus on recovery.
Please read the policy document for more information on what is (and isn’t) covered.

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Southern Cross Medical Care Society (trading as Southern Cross Health Society) is a licensed insurer and a licensed financial advice provider. For more information about the financial advice service we provide and a copy of our public disclosure statement please visit southerncross.co.nz/disclosure-statement.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Limited. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at www.spglobal.com/ratings/en/about/intro-to-credit-ratings. Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.