My Southern Cross

Southern Cross Health Society

About this app

Designed for members – it’s super-fast, easy and secure. 
Use the My Southern Cross app to check your benefits and balances, request prior approval and submit online claims faster. You can also get access to online GP consults with CareHQ.

App features: 
• Manage your health insurance policy on the go 
• Check your benefits balances and see your cover 
• Make claims* and request prior approval** for upcoming treatment  
• View your policy documents and communications
• Access online GP consultations through CareHQ, 7am-7am, 7 days a week
• Update your contact details 
• Check what you pay for your cover*
• View and redeem member offers.

*Policyholders only 
** Prior approvals not available for members on the HealthEssentials plan. 

To use the My Southern Cross app you need to be a Southern Cross Health Insurance member and be registered for My Southern Cross. By claiming through the app you agree to receive communications online in My Southern Cross. 

By installing the My Southern Cross app, you confirm to have read, understood and agreed to our Mobile App Terms of Use https://www.southerncross.co.nz/society/mobile-app-terms-of-use and our Privacy Statement https://www.southerncross.co.nz/society/mobile-app-privacy-statement. In particular, you agree and understand that your eligibility for any benefits you view and claims you make using the app are subject to your current policy terms and conditions. 

Ratings and reviews

Not very user friendly experience. Instead of just uploading an invoice and instructing them to pay the provider, you need to extract all of the details from the invoice and dig through and find your approval number elsewhere. Then they get you to upload an image of the invoice anyway.

the app is freezing when I'm trying to upload a document for a claim. there is nowhere where I can add a support case to solve the problem... so I guess I can only add it here. Bad UX

Living in 2026, can there be an option to switch between policies for ones that have got multiple policies without having to sign out and do the whole process of signing in like a mission??

What’s new

This release includes the addition of the My Food Bag member offer and fixes for performance related issues.