Southern Cross Travel Insurance Discount Terms and Conditions
Effective date: 24 April 2023
Last updated: 27 September 2023
These discount terms set out who is eligible and how we will apply the discounts we make. Terms that are in italics type have specific meanings and are defined in Defined Terms below.
By purchasing a Southern Cross Travel Insurance policy to which a discount applies, you (the policyholder), and any other insured travellers named on the Certificate of Insurance, agree to and are bound by these discount terms.
These discount terms are subject to change at any time without notice.
Southern Cross Health Society member discount
The member discount is available where one or more insured travellers that will be named on the Certificate of Insurance (including you) currently hold a health insurance policy with Southern Cross Health Society (and is therefore a member of Southern Cross Health Society).
We apply the discount to the base premiums for International Comprehensive and Domestic policies.
How much is the member discount?
The member discount is 5% and only applies to the base premium.
The member discount does not apply to additional premiums for optional covers or reduced excess set out below.
- Covered conditions*° (an illness or injury that we confirm we cover on a policyholder’s medical assessment or on an endorsement to the policy)
- Specified Items cover*° (valuables for which an extra premium is paid)
- Moped and motorbike cover* (moped and motorbike cover for which an extra premium is paid)
- Ski cover* (ski cover for which an extra premium is paid)
- Cruise cover* (cover for cruises for which an extra premium is paid)
- Maximum trip duration* (for Annual Multi-trip policies where either a 30, 60 or 90 day cover period is opted for)
- Cancellation* (where extra premium is payable for $5,000, $10,000 or unlimited cover)
- Reduced excess*° (decreased excess level).
*International Comprehensive policy
How and when we apply the member discount
To be eligible for the member discount you, or any other insured traveller that will be named on the Certificate of Insurance, must be a current member of Southern Cross Health Society (holding a Southern Cross Health Insurance policy).
You must tell us whether you, or any other insured traveller that will be named on the Certificate of Insurance, are a Southern Cross Health Society member when applying for the policy.
Where not all insured travellers are members, we apply the discount on the whole policy premium, not just the portion of the policy premium that relates to the member(s), and we give you the discount.
If you or any other insured traveller that will be named on the Certificate of Insurance already have an existing International Comprehensive or Domestic policy in New Zealand and tell us that you didn't receive the member discount (because you or they have subsequently become a Southern Cross Health Society member or because you or they did not tell us when you applied for your current existing International Comprehensive or Domestic policy), we will refund you the member discount. You will need to inform us by email or phone.
If we identify that you or any other insured traveller that will be named on the Certificate of Insurance may be a Southern Cross Health Society member and this information wasn’t provided to us at the time of sale so that you didn’t receive the discount, we may give you the discount anyway. We may contact you or any other insured traveller that will be named on the Certificate of Insurance is a member and if so, whether you wish us to apply the discount.
certificate of insurance means the latest certificate detailing the cover you have bought. We email the certificate to the main policyholder to confirm we have issued a policy to you.
policy means the contract of insurance between you and us
policyholder means the person named on the certificate of insurance as policyholder
you, your means the main policyholder who pays for the policy
we, our, us means Southern Cross Travel Insurance, the trading name of Southern Cross Benefits Limited
Please note: We might offer other discounts or special offers from time to time which are not generally made available to all customers and which are not described in or covered by these discount terms.