Queen's Personal Flag for New Zealand the same basic pattern used by queen across several other realms since the 1960s: it is the escutcheon of a country's coat of arms (e.g. the arms of New Zealand) in banner form defaced with a device taken from her personal flag (a blue roundel surrounded by a garland of roses encircling a crowned letter 'E', all in gold). The flag is divided into four quadrants: The first quadrant includes depicts four stars as representative of the Southern Cross constellation, as depicted on the national flag. The second quadrant consists of a golden fleece on a red field. The third
Southern Cross Healthcare Group (New Zealand) includes insurance-funded, public-funded and self-paying patients. Nearly 1000 surgeons and anaesthetists are credentialed to practice within Southern Cross Hospitals facilities. Southern Cross Benefits Limited, established in 1982, operates as a direct-to-consumer travel-insurance business (Southern Cross Travel Insurance) that covered around 445,000 travellers in both New Zealand and Australia in the 2017 financial year. In 2012 Southern Cross Benefits Limited acquired the pet insurance book of Ellenco Pet Insurance and re-launched the business as Southern Cross Pet Insurance in 2014. As at 30 June 2017 Southern Cross Pet Insurance insured more than 21,000 cats and dogs. As a Charitable Trust, the