Making a claim

We want to make the claim process as easy as possible for you or your loved ones at a difficult time.

Our claims team will be there to help every step of the way on 0800 000 200 and we’ve added some useful claims information below.

How is a claim made?

You or your beneficiary will need to contact the Southern Cross Life Insurance team and we’ll guide you/them through the claims process, provide information on your policy and send out any required forms. Call free on 0800 000 200, or email

What information needs to be provided when making a claim?

The information you'll need to provide when making an insurance claim will vary depending on the type of claim you are making.

For Life Insurance claims, we'll generally need:

  • a death certificate
  • proof of the life insured's age
  • the policy document; and
  • probate or letters of administration(depending on who owns the policy).

For Terminal Illness claims, we’ll generally need:

  • your doctor for details so we can confirm your medical condition. Your doctor will need to provide us with copies of reports and test results confirming your medical condition.

When we send you a claim form we'll make sure all the information you need to give to us is clearly listed. Please make sure to send us all the information we request, as this will help speed up the process.
As always, we're here to help so if you have any questions, just call us on 0800 000 200.

What happens once the claim is submitted?

The claim will be assessed within five days of being received. If we need more information, we’ll get in touch. While the claim is being assessed, an update will be provided on progress but if there are any questions, we’ll be happy to help on 0800 000 200.