Your Southern Cross Health Member Benefits

Unlock exclusive savings at participating Lumino practices, including 5% off eligible dental treatments and a half-price standard Exam & X-Rays Check-Up for new patients.* 

Who can use this offer?

 

If you have Southern Cross Health Insurance, you can enjoy exclusive savings at participating Lumino practices. 

Simply let us know you're a Southern Cross Health Insurance member when booking and bring your membership card, app, or membership number to your appointment. 

FAQ

No. Southern Cross Health member discounts and Easy-Claim services are only available at participating Lumino practices. It's recommended to check with your local practice before booking, or find a participating practice here.
Yes. Many Lumino practices accept Southern Cross Health insurance claims and some participate in the Southern Cross Easy-Claim program, allowing eligible members to claim covered dental treatments directly at the time of payment without submitting claim forms. Please reach out to your practice to confirm at the time of booking.
The 5% Southern Cross member discount generally applies to most dental treatments, including routine examinations, hygiene appointments, fillings, crowns, and many restorative procedures. Some treatments are excluded.

Southern Cross members can access exclusive discounts at participating Lumino practices, including 5% off eligible dental treatments and standard half-price Exam & X-rays for new patients. Some exclusions apply, including dental implants, orthodontic treatment, and some cosmetic and teeth whitening services.

Simply present your  Southern Cross member card, app, or membership number when paying for treatment. If your policy includes dental cover and the treatment is eligible, Southern Cross pays the covered amount directly through easy claim, and you'll only pay any remaining balance.

Yes. New patients who are Southern Cross Health members can receive a half-price Exam & X-rays check-up at participating Lumino practices.

The Southern Cross Health member discount does not apply to:

  • Dental implants
  • Orthodontic treatment
  • Some cosmetic and teeth whitening services

Additional exclusions may apply at specific practices, please speak with your local practice team about their exclusions.

In many cases, eligible Southern Cross Health members can access member discounts and use Easy-Claim for covered treatments. Coverage and out-of-pocket costs depend on your policy, available benefits, and treatment type.

No. If you do not have coverage for dental treatment with your Southern Cross Health membership policy, you can still access half price standard examination and X-rays as a new patient with Lumino, plus up to 5% off some dental treatment services.

Bring one of the following:

You should also identify yourself as a Southern Cross Health member when booking and again at your appointment.

You can review your policy documents, log in to My Southern Cross, use the Southern Cross app, or contact Southern Cross directly to confirm your dental cover and remaining benefits.
You can use the Lumino practice finder or Southern Cross Healthcare Finder to locate participating clinics that offer Southern Cross member benefits.

Terms & Conditions

  • Southern Cross Health Insurance member offers are available at participating Lumino practices only.

  • Non-participating practices: Bank St, Broadway Dental, Coastlands Lumino, Chartwell, Darfield Dental, Dental One, Family Dental Centre, Frankton, Hamilton Dental, Harris, Henderson Periodontics & Implants, Hutt City Dental Centre, Kawarau, Kerikeri, Lumino Feilding, Lumino Gore, Lumino Havelock North, Lumino Manawatu Dental, Lumino Mt Eden Village, Lumino New Plymouth, Lumino St Albans, Lumino Symes de Silva, Main St, Miramar Dental, Otaki, Paihia, Pearl, Queenstown, Red Beach, Rototuna, Seymour Smiles Lumino, Silverstream, Shearer Dental Oamaru, St Heliers, Wairau Park

  • Discounts cannot be used in conjunction with any other offer or promotion, including Afterpay and the $99 New Patient Offer.

  • The Half-Price Exam & X-Rays Check-Up offer is calculated from the standard Exam & X-Rays Check-Up price at the participating practice.

  • The Half-Price Exam & X-Rays Check-Up offer is available to new patients only.

  • To receive the discount, patients must identify themselves as a Southern Cross Health Insurance member at the time of booking and/or appointment. Participating practices are not responsible for asking patients whether they are Southern Cross Health Insurance members.

  • Proof of Southern Cross Health Insurance membership may be required.

  • Discounts cannot be applied retrospectively under any circumstances.

  • Appointments are subject to availability. Full payment is required at the time of appointment.

  • The 5% discount does not apply to dental implants, orthodontic treatment, selected cosmetic and teeth-whitening services, specialist services, products, ACC-related treatment, gift vouchers, after-hours fees, or any treatment that is already discounted or subject to another offer or promotion.

  • Lumino reserves the right to amend or withdraw these offers at any time.