Southern Cross Health Insurance

As an employee of Fire and Emergency New Zealand you get a discount on premiums for health insurance.             

Health insurance gives you more choice

We value your health and wellbeing by providing you with affordable access to health insurance from Southern Cross.

Having health insurance gives you the peace of mind that you can get the treatment you need, when you need it.                  

If you are diagnosed with a non-acute, non-urgent medical condition, you could have a long, uncomfortable wait for treatment from the public health system. For private treatment you can expect to pay thousands of dollars for some common operations. Without health insurance, these can be hard to afford.

 With health insurance you’ll have: 

  • faster access to treatment by avoiding public hospital waiting lists             
  • less inancial stress by reducing your costs of private treatment and time off work
  • more choice of when you receive treatment for qualifying conditions.

And a quicker return to health so you can get on with enjoying life.

Why you and your family should join Southern Cross 

Southern Cross looks after the health insurance needs of over 800,000 members and pay more claims than any other health insurer in New Zealand. 

Through the Fire and Emergency New Zealand work scheme you will benefit from: 

  • reduced premiums for you and your immediate family on selected plans (conditions may apply)
  • only paying for the first two children (under 21 years) on your policy – the rest are free (conditions apply)
  • easy payment methods.

Southern Cross offers a range of health insurance plans – from surgical only plans to comprehensive plans that offer a wide range of healthcare services. The aim is always to find a happy balance between cost and cover, so that health insurance is both useful and cost effective.               

Getting cover for you and your family may cost less than you think. 

Joining is easy

Request a free consultation

Apply online

Apply over the phone
Email us your name, employer, employers address and contact details to Complete an online application form using the shortcut code DV Contact your local consultant on 0800 GET COVER (438 268), Monday to Friday, 8am – 5pm

Helping you look after your


All about joining the Fire Service's work scheme