My Southern Cross

My Southern Cross is a secure, online service for members of Southern Cross Health Society. 

Once registered, you can make a claim (policyholders only), apply for prior approval, access policy information and check benefit balances, manage how you receive communications from us, and more.
Members who have a health insurance policy can register for My Southern Cross. 

My Southern Cross isn’t available for members with a Critical Illness policy.
Registering should take you no longer than 5-10 minutes.
You can register online provided you have your Member card number or Policy/Membership number handy, and an email address or a phone number that matches our records. 

You can also call us on 0800 800 181 from 8am-6pm, Monday-Friday and we’ll start your registration for you.
To register, we need to verify who you are. This involves contacting you with a unique code on an email address or phone number that matches our records. If your details are being rejected, we may have old contact details on record for you. Please call us on 0800 800 181 from 8am-6pm, Monday-Friday to update your details. While you’re on the phone we can also start your registration for you.

If you prefer, complete our callback form and one of our friendly team members will get in touch with you instead.
It sounds like something we need to resolve over the phone. Please call us on 0800 800 181 from 8am to 6pm, Monday to Friday, or complete our callback form and one of our friendly team members will get in touch.
Yes, you need to register each of your policies. You should have a separate Member card number and policy number for each policy you hold. 

Note: My Southern Cross isn’t available for members with a Critical Illness policy.
My Southern Cross only shows benefits with annual limits. For a full list of your benefits, refer to your policy documentation.
Check ‘My communication settings’ to manage how you receive communications from us. You may still get the occasional letter in the post from time to time until they’re all available online.

My Southern Cross mobile app

You can download it free from the Apple App store or Google Play store.
You'll find the link to download the app inside My Southern Cross making the set up process easier. HealthEssentials has been designed to provide members with a digital experience across a range of devices. Registering for My Southern Cross sets you up from the start to do this.
A PIN gives you easy access rather than having to enter your full username and password each time you login.
It’s free! You don’t need to buy it.
Data consumption has been kept to a minimum. But you will need to be mindful of the size of the files you upload when submitting a claim.
As a policyholder you can make a claim (non-surgical) and all members can view annual benefits and remaining balances. The app can also be used as a virtual Member card.
Only policyholders can make a claim.
Currently you can make only medical claims (non-surgical) through the app.

To claim, you’ll need to attach the original itemised receipts from your health service provider. Make sure your receipt image clearly shows;

Date of service/treatment
Name of patient
Name of provider/facility
Cost of service/treatment
Ensure EFTPOS receipt is not covering invoice/receipt

So that we receive a quality image please set your phones’ camera settings to a minimum 1600x960 or 1.5 mega pixels and limit the size of what you are taking to that of an A4 piece of paper. From our testing this will take an image that is legible and small (around 50-70Kb).
After sending the image with your claim, the image is deleted from your device. If you want to keep the image please take a separate photo using your device’s camera or do this step first, then load the image from your photo library into your claims submission.
Yes, in certain cases Southern Cross may require you to submit the original receipt to allow us to assess your claim.