Help Centre

OVHC - Waiting Periods Explained

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.

What are the Waiting Periods for OVHC?

If you purchase Budget or Visitor Plus cover you’ll need to wait:

If you also purchase or add Basic Extras or Top Extras to your cover, additional waiting periods also apply including:

  • 2 months waiting period for general dental, physiotherapy, chiropractic, podiatry, psychology, speech therapy, health aids, Chinese medicine consultations and complementary therapies.
  • 6 months waiting period for optical and health management programs.
  • 12 months waiting period for major dental.
  • 24 months waiting period for laser eye surgery and hearing aids.

When do Waiting Periods start?

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 eligible visa was granted; or
  • the date your policy commenced, whichever is the later date.

For example, you purchase OVHC Visitors Plus   and have successfully applied for a 482 Temporary Skill Shortage (TSS) Visa. Your visa was granted on 23rd August however you arrive in Australia on 1st September. Your waiting periods will start on the 1st of September.

Waive your Waiting Periods

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

If you are switching to Allianz Global Assistance 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 OVHC, you’ll need to provide us with a clearance certificate from your current Fund.

Arrange a transfer now

Still need help?

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