Getting medical help in Australia can be different from your home country. People use hospitals and local doctors (also known as General Practitioners, or GPs) in Australia in the following ways…
A waiting period is the time you need to wait after purchasing your policy and before cover is available for certain medical conditions. Check your waiting periods for your policy here....

Before you can create an account and log in you need your policy number.

We will send you an email with your new policy number and a link to access the MyHealth portal.

When you receive the link, you can register for the portal using your new policy number and your last name. When you register, we will email you a unique 6 digit code for single use (you will not need this for future logins). 

LEARN MORE ABOUT LOGGING IN TO PORTAL

A pre-existing condition is an ailment, illness or condition, the signs or symptoms of which, in the opinion of our appointed medical practitioner, existed in the six months prior to you arriving in Australia or your visa being grated, whichever date is later. This includes any undiagnosed ailment, illness or condition.

The OSHC and OVHC policies include waiting periods for the treatment of pre-existing conditions. This means if you receive treatment for a pre-existing condition during the relevant waiting period, you cannot claim for the costs and you will need to pay the entire amount. A waiting period is calculated from either the date you arrived in Australia or the date your visa was granted, whichever date is later. Waiting periods may differ between policies please refer to the policy wording for further details.

For example, if you have been diagnosed with asthma within the six months before arriving in Australia, this will be considered a pre-existing condition. You will need to wait the applicable waiting period before cover will be provided and you can claim for treatment received after the end of the waiting period.

Read more about waiting periods

When you make a claim, we will appoint or approve a medical practitioner to assess whether there were signs or symptoms of the condition prior to purchasing your cover.

The medical practitioner will take into account any information relating to your ailment, illness or condition. The information will usually come from the medical practitioner who treated you. The condition may not have been given a diagnosis, but if the symptoms or signs were there, then it can be considered a pre-existing condition.

A health condition can still be considered pre-existing even if an illness had not been diagnosed prior to when you first got health cover from us.

Your OVHC policy will continue until you choose to cancel it.

If you have set up automatic payments from your bank account or credit card, these payments will continue until you cancel your policy or you ask us to stop the payments.

If your visa is subject to condition 8501 and you cancel your OVHC policy for any reason or you fail to renew your OVHC policy, Allianz Care Australia is required to inform the Department of Home Affairs.

If you want to cancel your OVHC policy, email ovhc@allianzcare.com.au
and tell us the date you would like us to cancel your policy from. 

To cancel your OVHC policy, you will need to:

  1. Download and complete the Refund form
  2. Email the form to ovhc@allianzcare.com.au
  3. Alternatively, you can post it to:

        Allianz Care Australia OVHC
        Locked Bag 3004,
        Toowong QLD 4066

Make sure you include your reason for cancelling your policy and any relevant documentation.

You can apply to get your money back if:

  • you have paid your premium and did not come to Australia
  • you have paid your premium on the basis of an extended stay, but the extension was not approved by the Department of Home Affairs
  • you have been granted permanent residence in Australia
  • you can provide proof of other OVHC provided by another insurer which includes the period covered by the insurer.

Please keep in mind that:

  • Refunds are calculated on a monthly pro-rata basis, with a minimum refund of one month.
  • Any amount that we retain on these grounds is treated as a fee for processing your refund.
  • You will need to pay any bank or transfer costs associated with the refund of premium to an overseas financial institution and deducted from the premium.

If you are visiting Australia on a student visa, you are required to maintain adequate health insurance during your stay. Before you cancel your cover, make sure you have the right health cover for the remaining time that you are here.

If your OSHC policy is cancelled for any reason or you obtain a refund, Allianz Care Australia is required to inform the Department of Home Affairs

  • you paid your premium and did not come to Australia
  • you paid your premium on the basis of an extended stay but the extension of authorised stay was not granted by the Department of Home Affairs
  • you are obliged to cease studies and leave Australia before the end of a period of approved stay for reasons beyond your control
  • you have been granted permanent residence in Australia, or an Australian visa (other than a Student visa)
  • you were not resident in Australia for a continuous period of 3 months or more but whilst holding a valid Student Visa
  •  you can provide proof of OSHC provided by another insurer which includes the period covered by the insurer
  • you have paid for an incorrect OSHC policy that was not required
  • you have paid the incorrect amount for a policy
  • your dependant no longer requires coverage under your policy
  • you and your dependants are leaving Australia following completion of your studies before your Student Visa is due to expire.

Please keep in mind that:

  • Refunds are calculated on a monthly pro-rata basis, with a minimum refund of one month.
  • Any amount that we retain on these grounds is treated as a fee for processing your refund.
  • There is no minimum cover period payable if cover is cancelled prior to arrival in Australia.
  1. Download the OSHC refund form
  2. Complete the form and attach any documentation required
  3. Send to either:

                oshc@allianzcare.com.au

                Allianz Care Australia OSHC, 

                Locked Bag 3001, 

                Toowong QLD 4066

You are responsible for making sure your Overseas Student Health Cover (OSHC) is always valid.

If your policy expires while you are studying Australia on a student visa, you won’t be able to claim your medical costs for any treatment while you are uninsured. To extend your OSHC for visa purposes, you will need to pay for the duration you were uninsured and any claims incurred during this period will not be eligible.

To extend your policy simply purchase a policy for the required period. You can do that online here.

Are you extending your study?

If you are considering extending your existing student visa or applying for a new one, you will need to purchase an OSHC policy for extended period before you apply for your visa.

Once you have purchased an OSHC policy for the extended period, we will provide you with a certificate to submit with your visa application.

Prescription medicine is medicine that needs your doctor’s authorisation before a pharmacist can sell it to you. If you have a policy with us, you might be covered for some of the cost of your prescription medicine.

 

 What your policy covers

 If you need to buy prescription medicine, you may be able to claim back:

  • up to $50 per prescribed medicine
  • a maximum of $300 each calendar year if you have singles cover
  • a maximum of $600 each calendar year if you have family cover (for policies purchased after 1 January 2012).

Each individual in a couple or family has the same limit as a single person ($300 per person, each calendar year), as long as the couple or family maximum benefit has not been used.

Benefits are payable for expenses exceeding the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution for general beneficiaries.

Refer to the relevant policy wording  for more information about what you are covered for.

 

 How to make a claim

  1. Your doctor gives you a prescription for your medicine.
  2. You purchase your medicine from a pharmacy and get a receipt. Make sure you ask for an itemised receipt so you have all the information needed to make your claim.
  3. Make your claim and submit any relevant receipts to us

 

What you cannot claim

Disclaimer: Prescription medicines are reimbursed minus the co-payment required under the PBS.  To see the full list of PBS medicines and the current co-payment fee, visit the Department of Health website

With our Overseas Visitors Health Cover working visa plans, you can choose between paying $0 or a $500 hospital excess.

The excess is the amount you must pay upfront before a benefit is paid by us for overnight or same day hospital admissions under your policy. The excess is payable once per adult per financial year (1 July – 30 June). No excess applies to any children on your policy under the age of 18.

For example:

You choose a plan with a $500 hospital excess payable. You will need to pay $500 towards your hospital treatment costs before we’ll pay any benefit. 

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