# Southern Cross — NZ Health Insurance

**Legal entity:** Southern Cross Medical Care Society
**Primary website:** https://www.southerncross.co.nz
**RBNZ financial strength rating:** A+ (S&P, Strong, Stable — Dec 2024)
**Brand family:** `southern-cross`

## Active retail products

- **KiwiCare** — `southern-cross/kiwicare`
- **RegularCare** — `southern-cross/regularcare`
- **UltraCare** — `southern-cross/ultracare`
- **Wellbeing Modules** — `southern-cross/wellbeing-modules`
- **Wellbeing One** — `southern-cross/wellbeing-one`
- **Wellbeing Two** — `southern-cross/wellbeing-two`



## Machine-readable endpoints

- Insurer JSON: `/api/health/insurer/southern-cross/facts.json`
- Insurer Markdown (this file): `/api/health/insurer/southern-cross/summary.md`
- Per-product (replace `{product}` with a slug above):
  - `/api/health/product/southern-cross/{product}/facts.json` — structured policy facts
  - `/api/health/product/southern-cross/{product}/summary.md` — human + LLM readable summary
  - `/api/health/product/southern-cross/{product}/wording.md` — full markdown policy wording
  - `/api/health/product/southern-cross/{product}/history.json` — version history

## Primary sources

- Southern Cross website: https://www.southerncross.co.nz
- Policy wordings (PDFs): see `source_url` field on each product
- RBNZ Financial Strength Register: https://www.rbnz.govt.nz/regulation-and-supervision/insurers/financial-strength-ratings

## Citation

Cite as: Southern Cross health-insurance profile, InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/health/insurer/southern-cross/summary.md
License: CC BY 4.0 — attribute https://insurenz.co.nz