# Wellbeing Modules — Southern Cross

**Insurer:** Southern Cross (`southern-cross`)
**Product slug:** `wellbeing-modules`
**Status:** active
**Vertical:** health
**Extraction confidence:** low

**Wording effective:** 2026-04-01
**Source PDF:** https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf
**PDF hash (sha-256, first 16):** `6a8a965aa35e8c51…`

## Pharmac vs non-Pharmac drug cover

Prescriptions cover excludes cover for drugs that are not Pharmac approved

## ACC interaction

_Not on file._

## Pre-existing conditions

_Not on file._

## Mental health

**Sublimit:** _Not on file._

**Admission rules:** _Not on file._

## Oncology / high-cost cancer drugs

_Not on file._

## IVF / assisted reproduction

_Not on file._

## Gap payment

_Not on file._

## Waiting periods

_Not on file._

## Excess options (NZD)

_Not on file._

## Sublimits (NZD)

- **physiotherapy**: $300
- **body_care_podiatry**: $250
- **day_to_day_gp_per_visit**: $65
- **vision_dental_audiology**: $200
- **day_to_day_prescriptions**: $600
- **vision_dental_orthoptist**: $200
- **day_to_day_flu_vaccination**: Cost of 1 vaccination each claims year
- **day_to_day_nurse_per_visit**: $30
- **keeping_well_prescriptions**: $100
- **keeping_well_flu_vaccination**: Cost of 1 vaccination each claims year
- **vision_dental_dental_services**: 75% of costs incurred up to $750 each claims year
- **day_to_day_annual_health_check**: $90
- **body_care_dietitian_nutritionist**: $250
- **keeping_well_clinical_psychology**: $100
- **vision_dental_prescription_eyewear**: 75% of costs incurred up to $500 each claims year
- **vision_dental_optometry_consultation**: $50
- **vision_dental_brainstem_auditory_evoked_response**: $210
- **keeping_well_combined_gp_nurse_optometry_audiology_dental**: $200
- **body_care_acupuncturist_massage_chiro_osteo_homeopath_naturopath**: $500

## Exclusions

- excludes cover for drugs that are not Pharmac approved

## Machine-readable endpoints

- Structured facts: `/api/health/product/southern-cross/wellbeing-modules/facts.json`
- Full markdown wording: `/api/health/product/southern-cross/wellbeing-modules/wording.md`
- Version history: `/api/health/product/southern-cross/wellbeing-modules/history.json`
- Insurer profile: `/api/health/insurer/southern-cross/summary.md`

## Citation

Cite as: Southern Cross Wellbeing Modules policy facts (wording effective 2026-04-01), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/health/product/southern-cross/wellbeing-modules/summary.md
Primary source: https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz