What to do if you get sick during the
COVID-19 (Coronavirus) pandemic

15 April 2020

We understand that living abroad and far from your usual support network during a global pandemic can be unnerving, particularly if you start to feel unwell and you’re worried it could be the dreaded COVID-19. Don’t panic! We’re here to help answer your questions with reliable, up-to-date information.

Allianz Global Assistance Overseas Health - feeling-sick

What are the symptoms?

The most common symptoms of COVID-19 are:

  • Fever, sweating or chills
  • Cough
  • Sore throat
  • Headache
  • Fatigue
  • Shortness of breath
  • Runny nose

Keep in mind the virus can sometimes be asymptomatic (causing no symptoms at all), right through to serious complications like pneumonia and breathing difficulties.

What should I do if I think I might have COVID-19?

If you are unwell and think you could have COVID-19, the first step is to check your symptoms using the government’s online Coronavirus Symptom Checker. This questionnaire helps determine whether you need to seek medical help or get tested. It includes questions about your age, location, occupation and symptoms as well as recent travel and contact with confirmed cases.

Who can I call for advice?

If you’re still unsure after completing the Coronavirus Symptom Checker, or have other questions, call the government’s 24/7 National Coronavirus Helpline on 1800 020 080. If you need translating or interpreting services, call 131 450.

Can I go to the doctor if I think I might have COVID-19?

If you’re sick and have symptoms of COVID-19, call your GP's office to discuss your options, instead of arriving at the doctor’s office without prior arrangement and putting others at risk. Locate a GP near you using the Find a Doctor tool on our website.

Is there a contactless way to speak to a doctor?

If you’d like to speak to a doctor about COVID-19 (or anything else that’s bothering you) without going to a medical centre in person, you may be interested in taking advantage of our telehealth service. Allianz Global Assistance’s telehealth service Doctors on Demand operates 24/7 and is available to OSHC and OVHC members who are in Australia (excluding Budget Working cover and Budget Visitors cover).

How is COVID-19 diagnosed?

If you meet the criteria for testing, a GP or staff at a testing clinic or hospital emergency department may take swabs from the back of your nose and throat. These swabs are sent to a laboratory for testing to determine if COVID-19 is responsible for your symptoms.

Does my OSHC or OVHC policy cover COVID-19?

For detailed information on COVID-19 and your Allianz Global Assistance policy, read our OSHC Coronavirus FAQs or OVHC Coronavirus FAQs.

What should I do if my symptoms are serious?

If you are experiencing severe symptoms like difficulty breathing, call 000 immediately for urgent medical help.

How and when do I self-isolate?

Self-isolation means staying at home for 14 days. If you’re sick, if you’ve been in close contact with someone who has a confirmed case of COVID-19, or if you’ve recently returned to Australia from overseas, you must self-isolate. Find out more about self-isolation.