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.

3,500+ NZ businesses
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

Calculate Your Investment & Employee Value

See the real numbers: what you invest and what your team receives in value

Quick Cost & Benefit Estimator

Calculate the value your team receives with Southern Cross group health plans

Company Details

25 employees
15 employees500 employees

Minimum 15 employees required for group plans

NZ$700/year
NZ$500/yearNZ$2,000/year

Your annual contribution per employee

Family Benefits

20%
0%50%

Typical discounts range from 15-25%

Indicative Results

Total company investment

$17,500/year
Private equivalent (retail)
Per employee value
NZ$1,200
Employee direct surplus
Per employee savings
NZ$500
Family saving
Per employee family benefit
NZ$560
Total perceived value
Per employee total benefit
NZ$1,060
Aggregate team value
Company-wide benefit
NZ$26,500

Excellent Value

Your employees receive over $1060 in value annually

Note: Figures are indicative. Final prices, waiting periods, and pre-existing condition outcomes are confirmed by Southern Cross underwriting.

Request Tailored Quote

Why Southern Cross?

NZ's most trusted health insurer

Pre-existing conditions covered from day one
No lengthy waiting periods for group plans
Family discounts up to 25%
Fast access to diagnostics and treatment
24/7 health helpline included

Why 3,500+ NZ Businesses Trust 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 with HR benefits specialist
No obligation quote
Customized to your business needs