Help Centre

Waiting periods - OSHC

A waiting period is the amount of time you need to wait before you can make a claim through your OSHC.

If a waiting period applies, it will start from:

  • the date you arrived in Australia, or
  • the date your visa was granted (whichever is later).

Pre-existing conditions

You’ll need to wait 12 months before claiming money back for any medical costs associated with a pre-existing condition.

If you have a pre-existing psychiatric condition, you’ll only need to wait 2 months.

What’s a pre-existing condition?

A pre-existing condition is any ailment, illness or condition that you had signs or symptoms of during the 6 months before you arrived in Australia or when your visa was granted (whichever is later).


Do you have an OSHC Standard policy?

You’ll need to wait 12 months before claiming any pregnancy-related costs.

Do you have an OSHC Essentials policy?

There’s no waiting period, so you can claim your pregnancy-related costs whenever you need to.

Transferring from another OSHC provider

We may take your period of cover from your previous provider into account when assessing your waiting periods if:

  • you transfer to Allianz Global Assistance from a similar policy held with another provider
  • there has not been a gap in your coverage of more than 30 days.

To transfer your OSHC, you’ll need to provide us with a clearance certificate from your current provider.

To arrange your transfer to Allianz Global Assistance, email or call us on 13 6742.

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