For HR Managers & Business Owners

Invest in Health.
Gain Competitive Advantage.

Southern Cross Group Health Insurance delivers measurable returns through reduced turnover, increased productivity, and a healthier, more engaged workforce.

Southern Cross Authorised Partner
950,000+ members

Why Leading NZ Employers Choose Southern Cross

Evidence-based benefits that directly impact your bottom line and company culture

2:1 Return on Investment

95% of companies measuring ROI see positive returns—most achieving $2+ for every $1 invested through reduced absenteeism and increased productivity.

Research-backed ROI

Attract & Retain Top Talent

53% of workers say health plans are a top reason they stay with their employer. Health insurance is now a must-have benefit for competitive recruitment.

Reduce turnover costs

85% Reduction in Sick Days

85% of employers credit wellness programs with reducing absenteeism and recruitment costs. Faster access to treatment means healthier, more present teams.

Minimize downtime

Pre-existing Coverage from Day 1

Group plans cover pre-existing conditions immediately—a unique benefit that provides peace of mind and comprehensive coverage for your entire team.

Inclusive coverage

Zero Admin Burden for HR

We handle all setup, employee onboarding, policy management, and ongoing support. Your HR team can focus on strategic initiatives, not administration.

Turnkey solution

Family Discounts up to 25%

Employees can add partners and dependents at discounted group rates—extending care beyond the workplace and increasing the perceived value of your benefits package.

Enhanced employee value

The Business Case is Clear

Independent research shows workplace health programs deliver quantifiable returns

95%
See positive ROI
$2:$1
Average return rate
53%
Stay for health benefits
85%
Reduced sick days

Estimate Your Group Health Costs

Calculate costs using actual Southern Cross employee plan rates based on your team size and average age

Group Health Cost Estimator

Estimate costs using actual Southern Cross employee plan rates

Company Details

25 employees
15 employees500 employees

Minimum 15 employees required for group plans

35 years
21 years65 years

Used to look up age-band pricing

Select Plan

Wellbeing

UltraCare

Estimated Costs

Per employee

$173/month
Per employee monthly
$172.82
Per employee annual
$2,073.84
Total company monthly
25 employees
$4,320.50
Total company annual
$51,846.00
Plan
Wellbeing Two
Rate breakdown
Base rate + plan rate per employee/mo
$96.94 + $75.88

Rates effective 01 May 2025. Final pricing confirmed by Southern Cross underwriting. Pre-existing conditions and waiting periods may vary.

Why NZ Businesses Choose Southern Cross

NZ's Most Trusted Health Insurer

950,000 members and nearly 90 years of healthcare expertise

No Waiting Periods for Group Plans

Employees can access care immediately, unlike individual policies

Fast Access to Diagnostics & Treatment

Get your team back to full health and productivity faster

BeingWellPlus Workplace Resources

Self-service health and wellbeing hub for your team

24/7 Health Helpline

Expert medical advice anytime your team needs it

Flexible Contribution Options

Subsidize all, part, or offer discounted group rates

Ready to Strengthen Your Benefits Package?

Get a tailored quote and see how Southern Cross can help you attract top talent, reduce turnover, and build a healthier, more productive workforce.

Request a Business Quote
Free consultation
No obligation quote
Customized to your business