Southern Cross Health Society opened for business in 1961 as New Zealand’s first health insurer. Now, nearly 60 years on, the not-for-profit Friendly Society is New Zealand’s largest health insurance business with more than 887,000 members. In the year ended 30 June 2021, for every $1 received in premiums, the Health Society paid out 87c in claims. This compares to an average, in the rest of the industry, of 62c in the dollar. Our aim is to provide health insurance that helps our members receive sustainable, accessible and affordable quality healthcare services through our Affiliated Provider programme. Southern Cross Health Society is part of a group of independent health and insurance-related businesses. Touching the lives of more than a million Kiwis, the businesses share a not-for-profit ethos and a desire to improve the health of New Zealanders.