# My Southern Cross — user reviews > 123 indexed App Store user reviews of My Southern Cross by Southern Cross Medical Care Society, rated 2.30/5 from 16 ratings. - Source: https://appshunter.io/ios/app/my-southern-cross/id792572967/reviews - App overview in markdown: https://appshunter.io/ios/app/my-southern-cross/id792572967.md - Rating breakdown: 5★ 3 · 4★ 2 · 3★ 1 · 2★ 1 · 1★ 9 ## What do users think of My Southern Cross? Overall sentiment: negative **Pros** - ✅ 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 **Cons** - 🐛 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 **Commonly reported bugs** - Login authentication fails with correct credentials - Verification codes not received or expired before use - App logs out users unexpectedly and frequently - Loading spinner never completes - Connection errors despite active internet - Form next button remains inactive - Captcha verification loops infinitely - App crashes when attempting to make claims - Session expiration after biometric setup - PIN setup not persisting between sessions - Photo upload from camera or gallery fails - App doesn't open on certain devices - Blank screen or sign-up screen instead of login - Rotating loading icon with no resolution - Error messages without helpful guidance - Account lockout after failed login attempts - Multiple conflicting verification codes sent - App resets login settings after updates - Claim information buried or not displaying properly **Most requested features** - Simple username and password login option - Single sign-on with Apple ID or Google - Session persistence and automatic login - Remember login credentials between sessions - PIN/biometric login that actually works - Consistent login experience across app updates - In-app feedback and support contact option - Search function for claims and policy information - Unified login process between app and website - Automatic session timeout prevention - Password reset via email that works reliably - Support for policy holder changes without re-registration ## Newest reviews (17 of 123) ### 1/5 — Absolute Rubbish *2026-02-24, version 4.3.0* Same as title - Absolute rubbish app ### 1/5 — Zero stars, can’t log in *2026-02-21, version 4.3.0* Zero stars, can’t log in ### 1/5 — Literally pointless *2026-01-22, version 4.3.0* Refuses to let me log in. 0/10. Abject fail. ### 1/5 — Doesn’t work *2026-01-14, version 4.2.9* Won’t accept my details so can’t login ### 1/5 — Fix your app *2025-12-16, version 4.2.9* This app has been active for such a long time yet they haven’t fixed it to remember me and I have to register every time I use it. I thought I would give them time to fix but this is a joke…. For such a big and important company, this is appalling ### 1/5 — Awful *2025-12-11, version 4.2.9* Even after all the poor reviews still no update to fix app ### 1/5 — Unacceptable - hire new developers *2025-12-07, version 4.2.9* App has made me register (large form) multiple times instead of letting me log in, or even better - keeping me logged in. And the registration process is poorly done, with no proper form field types, so keyboard auto completes can’t be used (eg email address field should be tagged as such) Such a poor UX for a new customer. Unacceptable in the age of mature App Store apps. Get better developers who can actually do a decent job. ### 1/5 — Cannot login *2025-12-04, version 4.2.9* Cannot login - contact help support but seems it’s a faulty app. ### 1/5 — Terrible user experience *2025-12-01, version 4.2.9* Horrible app to attempt to sign into (I say attempt because as of right now, it’s refusing my details…). It never keeps me logged in, and when it does force me to sign in, I have to enter my name, date of birth (via an in-app pop up keyboard rather than my normal system keyboard!), and email address. Which then makes me type in a one time code…. What’s wrong with a normal username and password (plus verification code if required)! ### 1/5 — Login issues *2025-11-18, version 4.2.8* Please resolve this with login issue ### 1/5 — Terrible *2025-11-12, version 4.2.8* Constantly logs me out and have to out in all my info which takes ages to reactivate, making it pointless ### 1/5 — Absolute Rubbish *2025-11-06, version 4.2.8* Always logs you out, then you have to find your policy number and reload in all your details to set up again. Seriously who is going to be bothered doing that all the time. Waste of time. ### 1/5 — crashes constantlt *2025-10-18, version 4.2.6* app crashes constantly and keeps showing: “ opps looks like something went wrong. please try again later” . it barely works ### 1/5 — Pathetic *2025-08-27, version 4.2.4* Southern cross support for this app is pathetic. Once it decides to block you and lock you out, that's it. All sorts of excuses etc from the Southern Cross team, all claiming theg have no problems their end, and everything is the customers fault. Pen and paper seems to be the only practical solution. ### 1/5 — Keeps logging out - then complicated login process *2025-08-27, version 4.2.4* So painful to login. Then it randomly logs me out! Very poor. ### 1/5 — App or Stress Test? *2025-08-24, version 4.2.4* Downloaded your app, entered all info and every single time it says something’s wrong. Website login works fine, but who knows for how long. Southern Cross, your app is a joke, in today’s tech world, it’s embarrassing, annoying and frustrating that you’re this far behind. ### 1/5 — Useless app *2025-08-23, version 4.2.4* Can’t even fill out the login screen without multiple attempts and errors. The developers should maybe get a job doing something else as they have no business doing this. ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible App Always loading Issues *2026-05-21, version 4.4.2* I’m a bit annoyed, whenever you want to use the app to make a claim there is ALWAYS loading issues. Why can’t this organisation get the simple things right? I use the app maybe 6 times a year, I think the app has loaded successfully twice. ### 1/5 — Useless app *2026-04-16, version 4.4.0* Absolutely useless app doesn’t accept my password or policy number and when I do exactly on the website , voila it suddenly knows who I am and had my policy details but the app treats me like an imposter. ### 1/5 — Terrible app *2026-03-31, version 4.3.2* App is terrible. Doesn’t work. Considering the amount people pay for private health insurance , you would expect higher standards of service delivery. ### 1/5 — Impossible to log in via app *2026-03-30, version 4.3.2* By far the most infuriating app to attempt to log in on. Never works. So much for the PIN set up!! The only way I can login is on the website. ### 1/5 — App don’t work *2026-03-30, version 4.3.2* keep saying something went wrong please try again ### 1/5 — App *2026-03-27, version 4.3.2* The login is horrible really bad I pretty much have to ring southern cross in the phone every time just to login can’t even reset my password through email I have to ring them for that also ### 1/5 — Unable to use the app *2026-03-22, version 4.3.1* Absolutely terrible experience. I’ve tried for months and after the latest update I still can’t log in—it just keeps asking me to refresh the page. Every time I need to view my policy, I have to email support and wait for a response. Hard to believe this comes from such a large insurance company. ### 1/5 — Can’t log in *2026-03-19, version 4.3.1* Despite going through the registration process again I’m unable to login, even though I was able to login in the past. ### 1/5 — Non funtional *2026-03-04, version 4.3.0* With updates you have to effectively re register for use of the app with all personal details and policy number etc. defeats the purpose of an app in addition to issues others have listed. Fix your app please! ### 1/5 — NOT WORKING *2026-03-03, version 4.3.0* does not accept my details then contact us takes me to a new zealand website ## Most praised reviews (10 highest-rated) ### 5/5 — Great app *2024-02-16* I think the new sign in experience is great. For the people saying they have to remember their policy number now - booohooo get over it. Just because your lazy and can’t remember those details is not anyone else’s issue. They have tried to make it easier and all people can do is complain. Don’t sign up with Southern Cross if your going to be a KAREN. **Developer response:** Thank you for your review. ### 5/5 — Absolutely Love It *2018-07-26* I love that it keeps track of how much you’ve spent and how much you have left. Means I can use my insurance to the fullest knowing how much I’m covered for. Definitely recommend it to everyone who is with Southern Cross because it’s a great tracker. I’ve recommended it to all my family members and they love it ### 4/5 — Great if you don’t change policy holder *2018-12-02* Excellent app making life easy to claim. The problem for me is when there is a change in policy holder, as there is an inability to log out of the app and log someone else in. Especially when all member information remains the same. It’s a PAIN. Have even deleted app and associated date, and reinstalled. We now can’t use the app and need to revert back to paper based and pay postage every time. Time & resource waste. ### 3/5 — Always forgets you *2026-01-26, version 4.3.0* Have had health insurance for a long time but am infrequent user of the app so often have to renter full details or do a long login to use. PIN number is never used. Frustrating experience. ### 3/5 — Forgets Login Details *2025-08-25, version 4.2.4* When I can access the app it’s great. Nothing more frustrating than going to check a claim or make a claim and you are presented with the full login detail requirement!!!!! This happens every 4-5 times I access the app. ### 3/5 — Back to square one each time I access app *2024-07-28, version 4.1.11* I don’t have call to access the app very often but each time I do I have to sign back up - it’s pretty frustrating. ### 3/5 — Wish it could remember me *2024-05-30, version 4.1.9* The app works pretty well for checking my claims and making new ones and seeing how much I could spend on medical services I hope not to need, *but* again and again when I open it, it has forgotten who I am and I have to set it up from scratch, entering my membership card number and so on. Then it has the cheek to ask me to choose a four digit PIN to make signing in quicker next time. It never remembers the PIN, even on the rare occasions when I open it and only need to sign in, not set it up all over again. Why offer this feature if you can’t make it work? It’s sufficiently annoying to lose two stars. ### 3/5 — Unhelpful if you change Policy Holder *2019-10-27* Was an excellent app, however after changing policy holder I am now unable to claim nor is the new policy holder. As I am the primary user this makes things difficult and time consuming having to manually send through paper work just for a claim. Such a waste of time and not impressed that this app cannot update in all areas especially with the new policy holder details. ### 2/5 — Poor Login Experience *2026-05-12, version 4.4.1* Every time I attempt to log in to the app, I encounter an error message stating “Forgot my credentials.” Subsequently, I am prompted to enter my first name, last name, South Cross number, date of birth, and email address. The option to add a PIN for quick login is entirely irrelevant in this context. Because of this on going issue I am likely to change insurers due the difficulty of monitoring and making claims. ### 2/5 — Used to be great, now just painful *2025-05-17, version 4.2.1* App used to be fantastic and a lot of the functionality still is but it's incredibly inconvenient being forced to login with complex member details every single time you want to use the app. It's far easier to just go on the website. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-13.*