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My Southern Cross

My Southern Cross

by Southern Cross Medical Care Society

19 ratings
153 reviews
💪 Health & Fitness
🏥 Medical
Free

Details

Released
February 2, 2014
Updated
September 30, 2026

Features

Developer

Southern Cross Medical Care Society
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About

Manage your health insurance policy on the go. Check benefits, submit claims, and request prior approval for treatments. Access online GP consults and view policy documents securely.

✓Manage health insurance policy
✓Check benefits and balances
✓Submit online claims
✓Request prior approval
✓Access online GP consults
✓View policy documents
Show original description

What users say about My Southern Cross

Reviews of My Southern Cross are mostly negative: the Health & Fitness app is rated 2.7/5 from 19 App Store ratings. What users like most: tracks spending and remaining coverage limits, convenient claim submission when accessible. Top complaints: persistent login failures and authentication errors, frequent unexpected logouts. Summarized from real user reviews.

Positive things

  • ✅Tracks spending and remaining coverage limits
  • ✅Convenient claim submission when accessible
  • ✅Good functionality for viewing claims and policy details
  • ✅Intuitive interface design when app works properly

Negative things

  • 🐛Persistent login failures and authentication errors
  • 🐛Frequent unexpected logouts
  • 🐛Requires re-entry of full personal details on each login
  • 🐛Complex login process compared to website
  • 🐛Loading issues and app crashes
  • 🐛Session expiration errors
  • 🐛Verification codes not arriving or expiring
  • 🐛Connection errors despite working internet
  • 🐛PIN and biometric setup repeatedly requested
  • 🐛Form validation errors with correct credentials
  • 🐛Photo upload functionality broken
  • 🐛Inconsistent performance across devices
  • ⚠️Poor customer support responsiveness
  • ⚠️Different login process than website
  • ⚠️Requires memorizing policy number
  • ⚠️Lack of simple username/password option
  • ⚠️No in-app feedback mechanism
  • ⚠️Contact support redirects to wrong region
See all reviews

What's New in My Southern Cross

4.4.10

September 30, 2026

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

User reviews

Most RecentHighest RatedLowest Rated

Very frustrating App

Tried to log in 7 times still says log in later . Very annoying as app doesn’t work properly
Buddhika Sri LankaBuddhika Sri Lanka

Doesn’t work

Can’t log in - it says somethings wrong but won’t show what. Double checked everything. I just go to website and use that without issues. But the app doesn’t work for me.
PJC - NZPJC - NZ

Cannot login

I use the app very infrequently but when I do, I have to enter all my details everytime. Today I updated the app but was unable to login. I feel like everytime I need to use the app something changes and it’s far less convenient than going to the website. I just want some consistency
N1931N1931

Great app easy to use

Easy to see your information and make a claim
susnzsusnz

Invoice submission

It is exceptionally hard to send SC invoices.
They will not accept emails forwarded to them from providers.
This made the process much more long winded and difficult.
NS augNS aug
See 148 more reviews

User experience

🐞

Reported Bugs

19 issues

Login authentication fails with correct credentials

Bug

Verification codes not received or expired before use

Bug

App logs out users unexpectedly and frequently

Bug

Loading spinner never completes

Bug

Connection errors despite active internet

Bug

Form next button remains inactive

Bug

Captcha verification loops infinitely

Bug

App crashes when attempting to make claims

Bug

Session expiration after biometric setup

Bug

PIN setup not persisting between sessions

Bug

Photo upload from camera or gallery fails

Bug

App doesn't open on certain devices

Bug

Blank screen or sign-up screen instead of login

Bug

Rotating loading icon with no resolution

Bug

Error messages without helpful guidance

Bug

Account lockout after failed login attempts

Bug

Multiple conflicting verification codes sent

Bug

App resets login settings after updates

Bug

Claim information buried or not displaying properly

Bug
✨

Requested Features

12 requests

Simple username and password login option

Feature

Single sign-on with Apple ID or Google

Feature

Session persistence and automatic login

Feature

Remember login credentials between sessions

Feature

PIN/biometric login that actually works

Feature

Consistent login experience across app updates

Feature

In-app feedback and support contact option

Feature

Search function for claims and policy information

Feature

Unified login process between app and website

Feature

Automatic session timeout prevention

Feature

Password reset via email that works reliably

Feature

Support for policy holder changes without re-registration

Feature

FAQ

What can I do with the My Southern Cross app?

The My Southern Cross app allows members to manage their health insurance policy on the go. You can check your benefits and balances, submit online claims, request prior approval for upcoming treatments, and access online GP consultations through CareHQ. It also provides access to policy documents and allows you to update your contact details.

Is the My Southern Cross app free to use?

Yes, the My Southern Cross app is free to download and use for Southern Cross Health Insurance members. There are no in-app purchases or advertisements mentioned in the app description.

Who is eligible to use the My Southern Cross app?

To use the My Southern Cross app, you must be a Southern Cross Health Insurance member and be registered for My Southern Cross. Eligibility for benefits viewed and claims made through the app are subject to your current policy terms and conditions.

Can I make claims for all health plans?

You can make claims through the app as a policyholder. However, prior approvals are not available for members on the HealthEssentials plan. All claims and benefit eligibility are subject to your specific policy terms and conditions.

What are the operating hours for online GP consults?

You can access online GP consultations through CareHQ via the app from 7 am to 7 am, 7 days a week. This service is available to members to provide convenient access to healthcare consultations.