Southern Cross policies cover 810,000 New Zealanders

What is Southern Cross?

Southern Cross Healthcare has been a private health insurer in New Zealand since 1961. It is New Zealand's largest not-for-profit private healthcare organisation. Southern Cross also has 11 hospitals, which are the largest network of private surgical hospitals in New Zealand.

What can members do if Southern Cross is late with a payment?

Consumers Institute chief executive David Russell says it depends entirely on the individual's contract and the content of the policy.

People should look at their policies and see if any payment commitment is made.

As well, there is the legal concept called terms of trade.

Terms of trade applies where an individual has done business with a company on certain terms.

These terms can be expected to be standard, says Mr Russell, but the contract will always take precedent.

Also, if promises and representations were made to an individual when he or she signed up, then under the Fair Trading Act, Southern Cross must live up to its promises.

Mr Russell says people experiencing problems and delays should contact Southern Cross.

How many members does Southern Cross have?

Currently 810,000 New Zealanders belong to Southern Cross.

Who are the other health insurers?

AA Insurance, Aetna Health,AXA New Zealand, National Insurance Life & Health, National Mutual Health and Tower Health, which is the second-largest health insurer.