Help Centre

Making a claim - OSHC

When you can claim

You may be able to:

  • claim money back on a treatment you’ve already paid
  • claim money to pay for treatment.
Waiting periods may apply

A waiting period is the amount of time you need to wait before you can make a claim through your OSHC policy. Waiting periods may apply to your policy if you’re claiming medical costs related to pregnancy or pre-existing conditions depending on your policy type and coverage.

Ways to claim

Direct billing

Using our network of providers makes it easier for you to claim when you visit a doctor. All you need to do is provide your valid membership e-card and the provider will bill us directly for the covered amount of your bill.

With direct billing, the doctor bills us directly.

Make sure you select a doctor or medical provider that specifies they can direct bill.

What’s a gap fee?

You may incur an out-of-pocket fee (known as a gap fee) if the amount the medical provider charges is more than the benefit you’re entitled to under your cover. You’ll need to pay the gap fee yourself and won’t be able to claim that amount. We recommend you call your doctor or hospital before visiting to get an idea of what it will cost you.

Did you know you can claim via the app?

You can use the My OSHC Assistant app to make a claim, access your membership details and your e-membership card, update your details, find a doctor and access our 24-hour helpline

Claiming on campus

A cash claim is a convenient way of processing your claim on-campus. Cash claims are available at most major education providers.

There is a limit of $105 per invoice, and your medical bill must be paid.

To make a claim in person, visit one of our on-campus customer service locations and make sure you bring your original receipts and any other relevant documents with you.

Claiming online

To make a claim:

  1. Log into the student member portal
  2. Complete and submit the online claim form
  3. Once you’ve submitted, you’ll receive a unique claim reference number
  4. Write the unique claim reference number on all of your receipts
  5. Scan your receipts and email them to with your claim reference in the subject line

Alternatively, you can post your claim and receipts to:

Allianz Global Assistance OSHC 
Locked Bag 3001
Toowong QLD 4066

Claiming by post

  1. Download the Claim form
  2. Complete the form and attach any required attachments (e.g. a copy of your visa or any relevant invoices or receipts)
  3. Post your receipts and any required attachments to us using the free prepaid envelopes provided at Australia Post branches

Allianz Global Assistance OSHC 

Locked Bag 3001

Toowong QLD 4066

Receiving your benefit

Your claim will be processed within 10 working days from receiving your claim. Keep in mind that postage and bank clearance times can take a couple of days.

If you’ve submitted a claim for treatment you’ve already paid for, you can choose to have your benefit paid by:

  • direct debit – we’ll deposit money into your nominated bank account (Click here for information about setting up an Australian bank account)
  • cheque – we’ll send you a cheque to your postal address 

If you’ve submitted a claim to pay for treatment, we’ll send the payment directly to your general practitioner or medical provider. Make sure you submit your claim as soon as possible so we can pay the bill on time.

Still need help?

Our team is here to answer your questions