OSHC & OVHC waiting periods

A waiting period is the time you need to wait after purchasing your policy and before cover is available for certain medical conditions. You cannot claim for medical treatment that is provided during the waiting period. This means that you will need to pay for all expenses for the treatment.

Certain medical conditions and treatments have different waiting periods. Carefully review your policy to ensure you are aware of the different waiting periods.

Your waiting period will start from either:

  • the date you or your dependant (as the case may be) arrived in Australia; or
  • the date your visa was granted; or
  • (for OVHC only) the date your policy commenced, whichever is the later date should be on its own line after the third dot point.

We can waive your waiting periods if you are switching your policy.

If you are switching to Allianz Care Australia from a similar policy held with another insurer, and there has not been a gap in your coverage of more than 30 days, we will count the time you were covered under your previous policy towards any waiting period which applies to your coverage with us. To transfer your policy, you will need to provide us with a clearance certificate from your current health insurer.