Southern Cross Wellbeing Two

by Southern Cross Health Society

★★★★☆4.7(18,240 reviews)

Southern Cross Health Society is a not-for-profit health insurer and New Zealand's market leader with over 900,000 members. The Wellbeing Two plan is the country's most popular private health plan, covering specialist consultations, diagnostic tests, and elective surgery.

Monthly Premium

NZD 85 - NZD 280

Deductible

NZD 0 - NZD 500

Coverage Type

comprehensive

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✗Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓New Zealand's most trusted health insurance brand
✓Comprehensive specialist and surgical coverage
✓No-claims discount of up to 10%
✓Fast pre-approval for surgical procedures

Cons

✗GP visits not covered in standard Wellbeing Two plan
✗Dental and optical sold separately
✗Premiums increase with age

Editorial Review

“Southern Cross Wellbeing Two is the definitive New Zealand health insurance plan, offering comprehensive specialist and surgical coverage at competitive rates backed by the country's most recognisable health insurance brand.”

— New Zealand Consumer Health Insurance Report 2025