TW Members Resource
As a TW team member, you have access to valuable benefits designed to support your health, wellbeing and financial future. This is a significant investment from your employer, and we want to make sure you get the most from it. We’re here to support you across these benefits and with your wider financial needs.
Your Southern Cross Wellbeing One cover
As a TW team member, you have access to Southern Cross Wellbeing One surgical and healthcare cover plan with the Day-to-day Module.
This plan can help with eligible costs for everyday healthcare and more significant medical treatment. This can include things like GP visits, prescriptions and physiotherapy, as well as eligible surgical and cancer treatment.
What does Wellbeing One Cover?
- Eligible surgical procedures, subject to the terms and limits of the policy.
- Eligible chemotherapy and radiotherapy treatment.
- Eligible specialist consultations related to eligible surgery or cancer treatment, within six months of treatment.
- Eligible diagnostic imaging and tests related to eligible surgery or cancer treatment, within six months of treatment.
- Eligible recovery services following eligible surgery or cancer treatment.
- A range of additional support services available under the plan.
Your TW health insurance also includes the Day-to-day Module, which can help cover eligible routine healthcare expenses such as:
- GP services
- Nurse services
- Physiotherapy
- Prescription medicines for Pharmac-approved drugs
- Flu vaccinations
- Annual health checks
Manage your Southern Cross cover and claims
The My Southern Cross app makes it easy to manage your Southern Cross membership in one place. You can view your cover and policy information, check your benefits, submit and manage claims, and access other member services.
If you’re unsure what to do, what information you need, or how something works, we’re here to help.
Not every healthcare service or expense is covered, and policy limits, eligibility criteria and other conditions apply. It’s important to check before receiving treatment or incurring a cost if you’re unsure whether it will be eligible.
Making your KiwiSaver work for you
If you haven’t had KiwiSaver before, as part of your benefits through TW you’ll be automatically enrolled with Booster, one of our main providers, and we’ll be in touch.
If you already have KiwiSaver and would like advice or a review, we work with nine leading KiwiSaver providers and can provide free guidance to ensure your fund and investment strategy are aligned with your goals, timeframe and circumstances. Whether retirement is decades away or you’re saving towards your first home, we’ll help make sure your KiwiSaver is working towards what matters to you.
Once your strategy is in place, we’ll continue to monitor it and provide ongoing advice as your circumstances and goals change.
Your support team.
Meet the team behind the service – dedicated financial advisers and claim support on hand should you need us.
Member Resources
FAQs
We’re here to help with more than your health insurance. We can provide advice around KiwiSaver, insurance, investments, mortgages and lending, and your broader financial goals.
Your dedicated Finsol team includes Tom, Jared, Jessey and Gareth (see the team slider above). We’re local to Hawke’s Bay and available to help TW team members with questions about their benefits and broader financial needs.
Eligible TW team members have access to Southern Cross Wellbeing One with the Day-to-day Module. This provides cover for eligible surgical and healthcare services, as well as a range of everyday healthcare expenses.
Wellbeing One includes cover for eligible surgical treatment, chemotherapy and radiotherapy for cancer, and certain related specialist consultations, diagnostic tests and imaging and recovery services. Related specialist consultations, diagnostics and recovery services are generally covered when they take place within six months of eligible surgical or cancer treatment, subject to policy terms and limits.
The Day-to-day Module is an optional add-on to plans such as Wellbeing One. It helps cover eligible routine healthcare expenses, including GP and nurse services, physiotherapy, flu vaccinations, annual health checks and prescriptions for Pharmac-approved drugs.
No. Like all health insurance policies, Wellbeing One has specific eligibility requirements, exclusions, policy limits and conditions. If you’re unsure whether something is covered, it’s best to check before proceeding with treatment.
Your Day-to-day Module provides cover for eligible GP services, nurse services, physiotherapy, flu vaccinations, annual health checks and prescriptions for Pharmac-approved drugs. Policy limits and other conditions apply.
Some treatments and services may require pre-approval from Southern Cross. If you’re unsure, check with Southern Cross or speak with us before going ahead.
Claims are submitted by the member directly through the Southern Cross App or online portal. If you’re unsure how to do this or what information you need, Jessey, our dedicated claims manager, can help you through the process.
If you’re unsure what to do, have questions about the process or need help understanding your cover, get in touch with our support team.
Southern Cross assesses and processes claims and makes the decision about whether a claim is covered under your policy. Finsol can help you understand and navigate the process, but we don’t make decisions about claims.
No. We’d encourage you to get in touch whenever you have a question. You don’t need to have a problem or a major financial decision in front of you before asking for advice.
Your KiwiSaver is a long-term investment, so it’s worth checking that your fund and investment strategy still suit your goals, timeframe and circumstances. You may have been in the same fund for years without ever reviewing whether it’s still the right fit.
We’ll consider factors such as your goals, investment timeframe, attitude towards investment risk and your wider financial situation. This helps us recommend an investment approach that’s appropriate for you rather than taking a one-size-fits-all approach.
Yes. If you’re considering using KiwiSaver towards a first home, we’ll take that timeframe and goal into account when reviewing your investment strategy.
We’ll explain our recommendations, talk you through your options and help you put the agreed strategy in place. We’ll then continue to monitor your KiwiSaver and provide ongoing advice as your circumstances and goals change.
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