For members

Everything you need to know about your policy and membership. Find a healthcare provider, apply for prior approval to confirm cover for treatment you need, learn more about making a claim, and access member discounts and offers. Check your plan documents, and find out how to review and make changes to your policy. Plus we answer your frequently asked questions.

Or login to My Southern Cross to manage your policy online.

Manage your policy online

More than 100,000 of our members are already using My Southern Cross – our secure, online service that makes having and using your health insurance easy. Manage your policy, make a claim and track its progress (policyholders only), apply for prior approval, check remaining amounts for annual benefits and more – whenever and wherever it suits you.

Login now, register, or find out more about My Southern Cross.

Apply for prior approval to confirm your cover

Prior approval gives you peace of mind knowing that you’re covered for the healthcare service or procedure you need. When you apply for prior approval, we confirm if your treatment is eligible for cover, exactly how much we’ll pay, and any other conditions that apply.

Find out more about prior approval.
Login to My Southern Cross to apply online.

Make a claim

Making a claim is easy. Policyholders can make an online claim through My Southern Cross, plus all members can use their Member card to claim on-the-spot for some healthcare services at Southern Cross Easy-claim providers. And, when you use an Affiliated Provider, they’ll claim on your behalf – so you can focus on getting well. You can also download a claim form and post it to us.

More information about claiming.

Find a provider

Use Healthcare finder to locate a healthcare provider in your area. Look for GPs, Affiliated Providers (including doctors, specialists, hospitals, and medical facilities), plus optometrists, dentists, physiotherapists, and pharmacies. It’s also a handy way to find your nearest Easy-claim provider.

Find a provider or Easy-claim partner now.

Reviewing your policy

Thinking of changing your health insurance plan, the way you pay your premium, your job, or even changing country? Or maybe you just want to check your policy and remind yourself what’s covered. Here’s the place to look.

Find out more about reviewing your policy.

Discounts and offers for members

We’re committed to making sure you get the most out of your membership – even if you don’t need to make a claim. We’ve teamed up with other healthcare partners and Southern Cross Group businesses so you can access member discounts and offers on everyday healthcare products and services.

Check out our member discounts and offers.