It’s easy for policyholders to claim with a number of options available. Claims are paid directly to the provider through Easy-claim and Affiliated Providers, or you can claim online or use the My Southern Cross app. You can also apply for prior approval to enjoy peace of mind knowing that you’re covered.



Claim online and on the go

Online claiming is easy and convenient through My Southern Cross. Complete our online form or use the app to send us a photo of your invoices/receipts and you’ll get paid faster, usually within 5 working days, straight into your nominated bank account.

Make a claim





You can use Easy-Claim at participating healthcare providers to claim for eligible healthcare services such as a GP check up, physiotherapy, chiropractor prescriptions, optometrist and dental treatment, without needing to complete a claim form.

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Affiliated Provider

Affiliated Providers are doctors and specialists who are contracted to Southern Cross. Using an Affiliated Provider is simple and hassle-free because they organise prior approval and claim on your behalf, leaving you to focus on getting well.

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Request cover or prior approval

Request cover or prior approval to confirm whether the healthcare service you need is covered under your policy, and any conditions that may apply. You can do this online through My Southern Cross and the app, or call us if the healthcare service will take place within 5 days.

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The quickest way to submit a claim is online through the My Southern Cross app or website, claims are usually paid within 5 working days.

You can also complete and post a claim form. It usually takes 10 to 15 working days for us to process any refunds once we’ve received your form.

If you need a claim form for Cancer Assist or Critical Illness you can download it here.

Low claims discount

Unapproved healthcare services

Need help? Read our FAQ’s or contact us.