There are five ways to claim as a Southern Cross policyholder:
- Online through My Southern Cross.
- Via the My Southern Cross app.
- Download a claim form and post it to us.
If your medical expenses haven’t already been claimed through Easy-claim or an Affiliated Provider, you need to submit a claim.
If you’re a policyholder, you can claim online through My Southern Cross. Just login to My Southern Cross with scans or photos of your invoices and/or receipts, and you’re ready to make a paperless claim. Make sure you give us your bank account number and you’ll get paid faster by direct credit.
We aim to process online claims faster – usually within 5 working days – so you won’t wait as long for claim refunds.
Login now, register, or find out more about My Southern Cross.
Claiming on the go with the My Southern Cross app
Use the My Southern Cross app for fast claiming on the go. Policyholders can make medical (non-surgical) claims under any plan, plus all members can check benefit balances and use as a virtual Member card
Find out more information.
To download the app go to
Please note, you need to register for My Southern Cross to use this app.
Send your claim form to us in the post
If you prefer, you can download a claim form, attach your original invoices or receipts and post it to us.
Once we receive your claim, it usually takes us between 7 and 10 working days to process and pay any claim refunds.
Download a claim form.
Low claims reward
Your reward for good health
The low claims reward is a 10% discount for members who have claimed below a specific claims threshold for 2 years. The reward applies for up to 12 months.
Eligibility for the low claims reward
Members paying adult premium rates and with at least 2 years continuous Southern Cross membership are eligible.
It does not apply to:
- members who are part of a subsidised work scheme.
- members on the HealthAssist plan.
- members on the Critical Illness plan.
- members under 21 years old.
How the low claims reward works
Claims thresholds are set each year for different age groups and plan types.
If a member has claimed below the relevant claims threshold for two consecutive years, a 10% discount is applied to the member’s premium at their policy renewal.
If a member changes plan, the threshold which applies will be for the plan the member has been on for the majority of the two year calculation period.
We will advise members of the thresholds at policy renewal time.
Qualification for the low claims reward is based on claims refunds processed by us during the two year calculation period, rather than treatment dates or the dates claims are lodged.
Terms and conditions
Detailed information about the rules and conditions for the low claims reward.