The OSHC policy includes waiting periods for the treatment of pre-existing conditions (i.e. a condition that you had in the 6 months prior to arriving in Australia or grant of your student visa).
This means if you received 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.
The waiting periods will differ depending on which OSHC policy you have purchased.
Your waiting period will start from either:
We can waive your waiting periods if you are switching your policy from another OSHC provider.
If you are switching to Allianz Global Assistance from a similar policy held with another OSHC 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 OSHC, you’ll need to provide us with a clearance certificate from your current Fund.
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