OVERSEAS

STUDENT
HEALTH
COVER
STANDARD
Policy document and members guide
 CONTENTS

OSHC gives you peace of mind 02 ALLIANZ CARE AUSTRALIA WELCOMES YOU TO AUSTRALIA

knowing your health will be

- What is OSHC?
- Why is OSHC important?

looked after so you can easily 03 SECTION ONE: OSHC STANDARD POLICY
This section outlines information on:
access medical services while - Eligibility and periods of cover
- Benefits payable
you are in Australia. -
-
Services not covered
General exclusions
- Waiting period for pre-existing conditions

09 SECTION TWO: PRIVACY NOTICE

12 SECTION THREE: OTHER IMPORTANT MATTERS

This section outlines information on:
- Hospitalisation
- Transferring from another OSHC Fund
- Resolving your concerns
- Premium refunds
- You must help us recover any money we have paid
- You must provide additional information upon request
- Compensation Fund
- Fraud
- Words with special meanings

18 SECTION FOUR: MEMBERS GUIDE

This section outlines information on:
- 24 hour / 7 day emergency assistance
- The Australian healthcare system
- General Practitioners
- Accident and emergency treatment
- How do I find a doctor
- Your claiming options
- Helpful services

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ALLIANZ CARE AUSTRALIA SECTION ONE

WELCOMES YOU TO OSHC STANDARD POLICY

WHO IS ELIGIBLE FOR OSHC?
AUSTRALIA Overseas students are eligible for OSHC. You are an overseas
student if you are:
We understand that maintaining your health is an important
(a) a person who is the holder of a Student Visa; or
part of making your stay in Australia as safe and enjoyable as (b) a person who
possible. i is an applicant for a Student Visa; and
Allianz Care Australia is here to assist and provide services and ii is the holder of a Bridging Visa; and
information that make it easy to understand and use the health iii was, immediately before being granted the Bridging
cover which is available to you, whilst studying in Australia. Visa, the holder of a Student Visa.
Single or Family Cover
WHAT IS OSHC? Your Certificate of Insurance will show which type of OSHC
Overseas Student Health Cover (OSHC) is health insurance for policy you have selected. Your policy may be either:
international students which provides cover for the costs of: Single
- Out of hospital medical treatment Covering only the overseas student who is the primary Student
Visa holder / applicant;
- In hospital medical treatment
- Prescription medicines Dual family
- Medical Devices and Human Tissue Products Covering the overseas student and their partner, or the overseas
- Emergency ambulance transport student and their dependant children ;
The Department of Health and Aged Care regulates OSHC and Multi family
OSHC providers. Covering the overseas student, a partner, and their dependant
children.

WHY IS OSHC IMPORTANT? WHAT IF I HAVE THE WRONG OSHC POLICY TYPE?
Student Visa requirement If you hold a secondary Student Visa, you must be insured under
the same policy as the primary Student Visa holder. You are
The Australian Government through the Department of Home
not eligible to hold an OSHC policy in your own right if you are
Affairs requires all holders of a Student Visa to maintain a secondary Student Visa holder or a dependant. A Partner
adequate health insurance whilst they are in Australia unless an of a primary Student Visa holder or applicant is considered a
exemption applies. secondary Student Visa holder.
Notification to the Department of Home Affairs If we become aware that you and any dependants have not
purchased the correct OSHC policy type, we may notify you that
As it is a condition of the Student Visa that adequate health
you must transfer your policy to the correct OSHC policy type.
insurance must be maintained while studying in Australia, Allianz
We will give you and your dependants a reasonable period to
Care Australia may provide the Department of Home Affairs with
undertake corrective action on your OSHC policy.
the name and contact details of the Member who has cancelled
his or her OSHC Policy or whose premium has been refunded. If you and your dependants fail to respond and undertake the
corrective action, we may transfer your OSHC policy or policies
Medical treatment can be expensive to the appropriate OSHC policy type and issue a revised invoice
to you. If you and your dependants fail to pay the revised invoice
Most overseas students are not eligible for Medicare (the public
by the date specified, we may withhold benefits payable for
health insurance system for Australian citizens and permanent
services under your policy.
residents). Without access to Medicare, overseas students may
have difficulty paying for medical treatment. Upon payment of a revised invoice, we will re-issue policy
documentation and credit any waiting periods already served
under your previous OSHC policy.
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BENEFITS COVERED UNDER YOUR POLICY Service Benefit per service

Prescription Medicines
MEDICAL AND HOSPITAL BENEFITS
For Prescription Medicines We will reimburse you the amount paid
In the event of medical treatment being required by you or any prescribed by your doctor. for items on the Pharmaceutical Benefits
dependants covered under your policy and occurring during the Excludes: Scheme that exceed the Pharmaceutical
period of cover, we will pay benefits for the following: medications, drugs or Benefits Scheme (PBS) patient
You may incur out of pocket costs for hospital expenses. For more other treatments not contribution for general beneficiaries
information about out of pocket costs, see ‘Private Admission’ on prescribed by a doctor * up to a maximum benefit of $50 per
page 19. or not listed on the prescribed item
Pharmaceutical Benefits
Annual Limits
Scheme (PBS)
From 1 January 2023
Service Benefit per service
maximum amount per calendar year
Out of hospital medical services for Single cover of $500 maximum
amount per calendar year for Dual &
Medical services We will cover 100% of the Medicare Multi-Family cover of $1,000
provided by most General Benefits Schedule Fee.
Practitioner services Before 1 January 2023
maximum amount per calendar year
All other medical services We will cover 85% of the Medicare for Single cover of $300 maximum
such as pathology and Benefits Schedule Fee. amount per calendar year for Dual &
radiology (including Multi-Family cover of $600
specialists)
Each individual in a Dual and Multi
In hospital medical services Family policy has a limit equivalent
Medical services provided We will cover 100% of the Medicare for a single person as long as the
in hospital to an admitted Benefits Schedule Fee. family maximum benefit has not
patient been used.
* The PBS patient contribution for
Public hospital – admitted We will cover the rate determined by
general beneficiaries is listed at:
patient in shared ward State and Territory health authorities
https://www.pbs.gov.au/pbs/home
hospital same day for services charged to a patient who
services, accommodation, is not an Australian resident. Medical Devices and Human Tissue Products
accident and emergency,
intensive care, out patient Medical Devices and We will cover 100% of the cost as listed in
medical and post- Human Tissue Products the Medical Devices and Human Tissue
operative services included on the Federal Products Rules.
Government’s Prescribed
Private hospital/registered We will cover 100% of the contracted List
day hospital facility charges for all insurable costs raised
by one of our agreement hospitals Ambulance services
with a minimum of shared ward
When medically necessary We will cover 100% of the charge
accommodation.
for admission to hospital for transport by an ambulance
If there is no agreement between us or for emergency provided by or under an arrangement
and the private hospital/registered treatment with an approved ambulance
day hospital facility, we will pay the service when medically necessary
applicable minimum benefit as set out for admission to hospital or for
in the Benefit Requirement Rules. emergency treatment.

For more information on agreement hospitals please see 'private

admission' section on page 19.

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HOW LONG DO I HAVE TO BE COVERED? Services that are not covered under your policy:

The Australian Government requires that you maintain adequate You are not covered for:
health insurance for the entire length of your Student Visa. (a) any costs or services associated with dental treatment,
physiotherapists, osteopaths, chiropractors, naturopaths,
You can purchase OSHC for the proposed length of your Student
optical charges, or any other ancillary services, unless the
Visa. If you have applied for a new Student Visa, you can
services provided meet the requirements of the Medicare
contact us to extend your OSHC policy for the duration of the
Benefits Schedule;
new Student Visa by paying us the additional premium for the
extended period. (b) medications, drugs or other treatments not prescribed by a
doctor and not included in the PBS;
Periods of cover: (c) the co-payment payable by you under Australian law or as
1 Your OSHC Policy is only valid whilst you hold a current a result of the provider charging more than the Medicare
Student Visa and have paid the full premium required. Benefits Schedule Fee; or
2 You are insured for the period of cover shown on your (d) service fees charged by a doctor or hospital which are not
Certificate of Insurance, starting on the commencement included in the benefits covered under your OSHC policy.
date shown and ending on the expiry date shown.
3 Your cover ceases on the date of your departure from
Australia, the date you cease to hold a Student Visa, or GENERAL EXCLUSIONS
on the expiry date shown on your Certificate of Insurance, Benefits are not payable for:
whichever occurs first. However if you leave Australia on a
holiday but return prior to the expiry date shown on your (a) services and treatment rendered outside of Australia, including
Certificate of Insurance and you still hold a current Student treatment rendered whilst travelling to or from Australia;
Visa when you return, your cover will recommence on your (b) services and treatment where the medical expenses for
return to Australia and continues for the remaining period of the service are for a compensable injury or illness that is
your cover. You are not insured for any treatment you receive covered by another insurer for which the other insurer or
while you are absent from Australia or you no longer hold a compensation agency has accepted liability;
Student Visa.
(c) services and treatment that are not medically necessary
4 It is a Student Visa requirement that OSHC must be
as certified by our medical practitioner, including elective
continuous for the term of your Student Visa. If you allow
cosmetic surgery;
your OSHC to lapse whilst on a Student Visa, and you wish
to renew your OSHC you must pay us the premiums for the (d) assisted reproductive services, including in-vitro fertilisation;
lapsed period.
(e) transportation of a dependant or overseas student into or
5 You are not insured for any treatment you receive during the out of Australia in any circumstance
lapsed period of your OSHC unless you have paid us the
premium for the lapsed period. (f) treatment arranged in advance of the dependant’s or
overseas student’s arrival in Australia;
6 You will not need to re-serve waiting periods if you have
renewed your OSHC policy after allowing your policy to (g) treatment rendered to a dependant or overseas student
lapse and you still hold a current Student Visa. in the first twelve months of the OSHC policy where that
treatment is for a pre-existing condition. This includes
7 An Overseas Student may ask us to make other changes
secondary conditions or disabilities directly arising from a
to their OSHC policy, including extensions, suspensions or
pre-existing condition. This exclusion does not apply where
changes to the policy start date, if the Overseas Student
our medical practitioner certifies that the dependant or
provides us with evidence of the following:
overseas student required emergency treatment in Australia;
a) the Overseas Student or their Dependant is not residing
in Australia at the expected policy start date; or (h) treatment rendered to a dependant or overseas student
in the first twelve months of the OSHC policy where that
b) the Overseas Student or their Dependant is not residing
treatment is for a pregnancy-related condition. This exclusion
in Australia during a period of OSHC purchased from us.
does not apply where our medical practitioner certifies that
the dependant or overseas student required emergency
treatment in Australia.
6 7
Whether or not a condition is a pre-existing condition will be
determined in accordance with the section 'Waiting period for SECTION TWO
pre-existing conditions' below.
PRIVACY NOTICE
WAITING PERIOD FOR PRE-EXISTING
Your privacy:
CONDITIONS
Your privacy is important to us. To arrange, offer, and provide you
Waiting periods apply for pre-existing conditions. with our products and services (or those we may offer or provide
You cannot claim for any treatment you receive while a waiting to you on behalf of our business partners) and for the purposes
period applies to your policy if the treatment arises from a pre- set out below, we, namely AWP Australia Pty Ltd ABN 52 097 227
existing condition. 177 trading as ‘Allianz Care Australia’, collect, store, use, process,
and disclose your personal information including sensitive
The waiting period is calculated as 12 months commencing from information such as medical information in accordance with the
the later of: requirements of privacy laws.
- the date you or your dependant (as the case may be) arrived For full details of our privacy policy, please visit our website at
in Australia; or www.allianzpartners.com.au and click on the Privacy & Security
- the date your Student Visa was granted, link.

whichever is the later date. When we collect your personal information, we are responsible
for ensuring it is processed and protected in accordance with
A person insured under an OSHC policy has a pre‑existing applicable privacy laws such as the Privacy Act 1988 (C’th), and
condition if: sometimes European Law such as the GDPR where our activities
(a) the person has an ailment, illness or condition; and fall within its scope. Personal information we collect includes, for
example, your name, address, date of birth, email address, your
(b) in the opinion of a medical practitioner appointed by us, the medical information, passport details, and bank account details.
signs or symptoms of that ailment, illness or condition existed We also collect information through devices such as ‘cookies’
at any time in the period of 6 months ending on the day on when you visit our website or use our mobile apps, in order to
which the person became insured under the policy. improve our website functionality and user experience.
In forming an opinion for the purposes of paragraph (b), the
Data collection:
medical practitioner must have regard to any information in
relation to the ailment, illness or condition that the medical We usually collect your personal information directly from you
practitioner who treated the ailment, illness or condition gives but sometimes from others depending upon the circumstances
him or her. and the product involved. For example, to quote, arrange, or
provide our health insurance products and services, we may
No waiting period will apply if you receive any of the following
collect your personal information from you, your agents, our
types of treatment:
agents, your broker, other insurers, universities and learning
- General Practitioner services; institutions, Government departments managing Immigration,
health, and foreign affairs including for visa purposes,
- care or treatment for a psychiatric condition; or
family members including your partner or spouse, travelling
- where our medical practitioner certifies that you or your companions, as well as from doctors, hospitals, and other health
dependant require emergency treatment in Australia. service providers if you require medical assistance.
For clarity, a waiting period served under a previous OSHC Product We may collect your personal information from our business
will be off set against, or credited towards, the waiting period of a partners and agents whom you may have approached or who
new OSHC Product, provided there is continuous cover. distribute or help provide or arrange our products and services.

8 9
Purposes & uses: Marketing:
We use your personal information to arrange, offer, and provide We may, where permitted by law or with your consent, contact
our products and services (or those we may offer or provide to you by telephone, normal mail, email, electronic messages such
you on behalf of our business partners) and to manage your and as SMS, and via other means with promotional material and
our rights and obligations in connection with any products and offers of products or services from us, our related companies,
services you have inquired about or acquired. For instance, we and business partners that we or they consider may be relevant
use it to assess, process, and investigate health insurance claims, and of interest to you. Where we contact you as a result of
and to liaise with Government Departments such as immigration, obtaining your consent, you can withdraw your consent at any
health, and foreign affairs where it relates to your cover or your time by calling us on 1800 023 767 or by contacting us – see
application for private health insurance cover. below.
We may also use it for product development, marketing Other individuals/dependants:
(where permitted by law or with your consent), customer data
analytics, research, IT and related systems maintenance and Except where you have legal authority to provide personal
development, recovery against third parties, fraud investigations, information on behalf of another, such as in your capacity
to comply with requests from regulatory bodies and government as a parent or legal guardian, when you provide personal
departments, and for other purposes with your consent or where information to us about another individual on your policy such
permitted by law. We do not sell your personal information to as your spouse, partner, family member, dependant, or adult
any other person or entity for marketing purposes. children, we rely on you and you warrant to us that you have first
obtained that individual’s consent, and have made them aware
Disclosures & overseas transfers: of the matters set out in this Privacy Notice.
Your personal information may be disclosed to your family Access to and correction of personal information:
members, co-insured on the same policy, your spouse or partner,
as well as to third parties who assist us to carry out the activities You may also seek access to your personal information (or
set out in the ‘Purposes & Uses’ paragraph above, such as claims that of another on your policy where you are authorised
management providers, our agents and intermediaries, insurers, to do so) and ask us to correct or update it, and to obtain
investigators, cost containment providers, medical and health details about our data processing activities in respect of your
service providers, universities and other education institutions, personal information. You may have further rights in respect
overseas data processing and ‘cloud’ storage providers, legal of your personal information where the GDPR law applies,
and other professional advisers, your agents and broker, your and depending upon the circumstances, you may request a
travel group leader if you travel in a group, your employer or restriction on processing, request it be deleted, and to receive it
sponsor, insurance reference bodies, and our related entities in a portable form, amongst other things.
in the Allianz group of companies including Allianz Partners. Withdrawal of consent:
Some of these third parties to whom your personal information
may be disclosed and transferred, will be located in other Where your personal information is used or processed with your
countries including in Europe, the UK and Ireland, Asia, Canada, specific consent as the sole basis for such use and processing
or the USA. We also, where necessary, disclose your personal (rather than on a contractual basis or legitimate interests of
information to Government Departments that manage the company), you may withdraw your consent at any time. Just
immigration, health, and foreign affairs, as well as to regulatory contact us as set out below.
bodies including those involved in the health insurance industry. Contact us:
We also disclose and transfer your personal information to
our private health insurer that underwrites your policy, namely If you wish to make a complaint about your data privacy, or
Peoplecare Health Limited, which is a registered private health have a request for access or correction, or any query about your
insurer, ABN 95 087 648 753. When we disclose or transfer your personal information, please contact: The Privacy Officer, Allianz
personal information to third parties, we take steps binding Care Australia, PO Box 162, Toowong, QLD 4066, or email
those entities to comply with privacy law. [email protected] or phone us on
+61 7 3305 7000.

10 11
You can also contact the Privacy Commissioner at the Office free on 1300 362 072 or at www.ombudsman.gov.au.
of The Australian Information Commissioner, GPO Box 5218, For general information about private health insurance, see
Sydney, NSW, 2001 if you have a complaint. www.privatehealth.gov.au.
Email [email protected]
Without your agreement to the matters set out above, we
may not be able to provide you with our products or services 4 Premium refunds
including the assessment and payment of any claims.
You can apply in writing for a pro-rata refund of premium for the
unexpired portion of your policy if:
SECTION THREE (a) you have failed to arrive in Australia to take up studies and

OTHER IMPORTANT MATTERS will not come to Australia at all;

(b) you have failed to arrive in Australia due to a delay, but you
eventually arrive in Australia;
This section explains your and our rights and responsibilities (c) you have paid the premium on the basis a Student Visa will
under this policy. be granted by Home Affairs but you are refused entry;
1 Hospitalisation (d) you have paid the premium of an extended stay on the basis
the Student Visa will be extended by Home Affairs but you
If you or a dependant covered under your policy is hospitalised,
are refused an extension;
you or the hospital must advise us as soon as possible.
(e) for reasons beyond your control, you are required to cease
2 Transferring from another OSHC provider studies and leave Australia before the expiry of your Student
If you transfer to Allianz Care Australia OSHC from another Visa;
OSHC provider and you can give us evidence of the period (f) you have been granted permanent residence in Australia, or
you had OSHC with another OSHC provider, we will take that an Australian visa (other than a Student Visa);
period into account when assessing the waiting period for
(g) you can prove to us that you were not residing in Australia
any pre-existing conditions. If you are transferring to Allianz
for a continuous period of 3 months or more whilst holding a
Care Australia OSHC, we require that you obtain a clearance
valid Student Visa;
certificate from your current OSHC provider.
(h) you can provide proof of OSHC taken out and paid for
To arrange your transfer visit us at with another insurer which overlaps with the same period
www.allianzcare.com.au/oshc or call 13 OSHC (13 6742) or covered by us; or
email us at [email protected].
(i) due to administrative changes that adjust the period of
3 Resolving your concerns OSHC beyond the dates required for your Student Visa.
Any enquiry or concerns relating to this policy should be referred For clarity, where the Overseas Student has Dependants, the
by contacting us: refundable amount will also include paid premium amounts for
the Dependants.
by email: [email protected]
by post: Allianz Care Australia Please note:
Overseas Student Health Cover - Refunds are calculated on a monthly pro-rata basis.
Locked Bag 3001 - We will not pay you a refund if the unexpired portion of your
TOOWONG QLD 4066 policy is less than 30 days.
or by telephone on 13 OSHC (13 6742) - As it is a condition of the Student Visa that adequate health
insurance must be maintained while studying in Australia,
Commonwealth Ombudsman
Allianz Care Australia may provide the Department of Home
The Commonwealth Ombudsman has responsibility to assist Affairs with the name and contact details of the member who
with enquiries and complaints about any aspect of private has cancelled his or her Policy.
health insurance. The Ombudsman is independent of private
health funds, private and public hospitals and the Government. 5 You must help us recover any money we have paid
Information may be obtained or complaints lodged about If we pay a claim that you make under this policy and we
health insurance by telephoning the Ombudsman’s office toll
commence recovery action against a third person in respect of
your claim, you must:
12 13
- Assign your rights in relation to the recovery of any amount we WORDS WITH SPECIAL MEANINGS
have paid under your policy;
- assist us in recovering any payments we have made under your Some words in this policy have special meanings and are
policy, including providing us with contact details for the third defined below.
person; and agreement hospital means a hospital that we have an
- Reimburse us for any amounts we have paid you as part of a agreement with as specified in www.allianzcare.com.au/en/
settlement for claims paid by us. Find-a-Hospital.html
6 You must provide additional information upon request arrive means the point in time that an overseas student or a
dependant is first in Australia, with the overseas student holding
You must provide all information and details that we may require a valid Student Visa.
in order to process any medical and hospital claims, including
medical reports, GP notes, surgical notes and hospital discharge assisted reproductive services has the same meaning and
summaries. scope of cover as Schedule 5 of the Complying Product Rules.

7 Compensation Fund benefit means an amount of money we will pay to you or

on your behalf for approved expenses incurred by you in
Benefits are not payable if your claim is for a loss which is accordance with your policy.
recoverable by compensation under any workers compensation
transport accident laws or by any government sponsored fund, Benefit Requirement Rules means the Private Health Insurance
plan, or medical benefit scheme, or any other similar type (Benefit Requirements) Rules 2011 (Cth) made in accordance
scheme required to be effected under law. with section 333-20 of the Private Health Insurance Act 2007
(Cth).
8 Reciprocal Health Care Agreements
Bridging Visa has the meaning given by subsection 5(1) of the
Reciprocal Health Care Agreements (RHCA) are agreements Migration Act 1958.
between countries that allow visitors to access medical services
co-payment means the amount you must contribute towards a
under Australia’s Medicare scheme while staying in Australia. To
claim. It is the difference between the amount payable under the
be eligible individuals must meet specific criteria, such as being a
Medicare Benefits Schedule and the amount actually charged
resident of a participating country and having adequate health
for the medical service.
insurance in your home country.
Complying Product Rules means the Private Health Insurance
Benefits are not coverable under your OSHC policy that have
(Complying Product) Rules 2015 made in accordance with
been covered under Medicare via a Reciprocal Health Care
section 333-20 of the Private Health Insurance Act 2007 (Cth).
Agreement.
dependant means a:
For more information of Reciprocal Health Care Agreements
please visit www.servicesaustralia.gov.au/reciprocal-health-care- (a) a partner;
agreements (b) any dependant children.

9 Fraud dependant child means a child, adopted child or step-child of

an Overseas Student or their partner, where such child, adopted
Insurance fraud places additional costs on honest policy holders. child or step-child is an eligible family member for the purposes
Fraudulent claims force insurance premiums to rise. of a Student Visa.
We encourage the community to assist in the prevention of doctor means a person qualified and registered to practice
insurance fraud. You can help by reporting insurance fraud. All medicine or surgery in Australia.
information will be treated as confidential. Report insurance
fraud by calling 1800 453 937. emergency treatment means the treatment of any of the
following conditions:
(a) risk of serious morbidity or mortality and requiring urgent
assessment and resuscitation; or
(b) suspected acute organ or system failure; or
(c) an illness or injury where the viability of function of a body
part or organ is acutely threatened; or
14 15
(d) a drug overdose, toxic substance or toxin effect; or overseas student has the same meaning as in Rule 18 of the
(e) psychiatric disturbance whereby the health of the patient or Health Insurance Business Rules, that is:
other people is at immediate risk; or (a) a person who is the holder of a Student Visa; or
(f) severe pain where the viability or function of a body part or (b) a person who:
organ is suspected to be acutely threatened; or
i is an applicant for a Student Visa; and
(g) acute haemorrhaging and requiring urgent assessment and
ii is the holder of a Bridging Visa; and
treatment; or
iii w
 as, immediately before being granted the Bridging Visa,
(h) a condition that requires immediate admission to avoid
the holder of a Student Visa.
imminent morbidity or mortality and where a transfer to
another facility is impractical in Australia which is confirmed Partner means a spouse or de facto partner of an Overseas
by a Medical Practitioner appointed by us to be the case, Student, where such spouse or de facto partner is an eligible
having due regard to, and considering, any information family member for the purposes of a Student Visa.
that is provided by the treating Medical Practitioner of the
PBS patient contribution means the co-payment you are
relevant person at the time.
required to pay, by law, towards the cost of a prescription before
GP Services means out-of-hospital services claimed for items on we start to calculate your benefit. The co-payment you have to
the Medicare Benefits Schedule under: pay is the same as an Australian who does not receive any
i. Group A1; concessional payments.

ii. Group A2; Peoplecare means Peoplecare Health Limited, a private health
iii. Sub-groups 2 and 10 of Group A7; insurer under the Private Health Insurance Act 2007 (Cth) and
the underwriter of this Overseas Student Health Cover product.
iv. Group A22;
Pharmaceutical Benefits Scheme or PBS means the
v. Group A23;
pharmaceutical items prescribed in the National Health Act
vi. Sub-groups 1 and 2 of Group A40; and 1953 (Cth) and the National Health (Listing of Pharmaceutical
vii. Group A46. Benefits) Instrument 2012 (Cth).
hospital means an established hospital registered under premium means the premium payable for your OSHC policy,
Australian legislation that provides in-patient medical care. including all taxes and charges.
hospital same day services means minor medical, surgical prescription medicines means those medicines that require a
or diagnostic treatment provided in a registered hospital or prescription completed by a doctor or other authorised health
medical centre, which does not require you to be confined in a practitioner in order to be dispensed by a registered pharmacist.
hospital overnight but must be admitted as a day patient. Benefits are only payable on Prescription Medicines listed within
the Pharmaceutical Benefits Scheme.
injury or injured means bodily injury.
Medical Devices and Human Tissue Products Rules means the
limit means the maximum amount of payment by us. A limit
Private Health Insurance (Medical Devices and Human Tissue
applies per person as long as the maximum benefit has not
Products) Rules (No. 1) 2023 made in accordance with section
been used if you have a Family Policy (this includes both dual
333-20 of the Private Health Insurance Act 2007 (Cth).
family and multi-family policies). Unless otherwise stated your
limit relates to the maximum amount payable under a full schedule fee means the amount as determined from time to
calendar year and is pro rata according to the duration of time by the Australian Government and listed in the Medicare
your policy. Benefits Schedule as the standard fee for a certain treatment
or service.
medical practitioner has the meaning given in the Health
Insurance Act 1973 (Cth). Student Visa has the meaning given by subsection 5(1) of
the Migration Act 1958 and includes a Bridging Visa. For the
Medicare Benefits Schedule Fee means the amount as
purposes of this policy document, a reference to Student Visa
determined from time to time by the Australian Government and
will include, where the context required, a reference to a person
listed in the Medicare Benefits Schedule as the standard fee for
who is an applicant for a Student Visa, is the holder of a Bridging
a certain treatment or service.
Visa, and was, immediately before being granted the Bridging
Visa, the holder of a Student Visa.
16 17
we, us and our AWP Australia Pty Ltd (trading as Allianz Care In most cases, it is necessary for you to make an appointment to
Australia) as the arranger and manager of this Overseas Student see your doctor.
Health Cover product.
you or your means the person or persons named in the ACCIDENT AND EMERGENCY TREATMENT
Certificate of Insurance under the heading ‘Insured Persons’. Many hospitals have a 24 hour Accident and Emergency
department. Accident and Emergency departments should only
be accessed in the case of emergency situations. When you visit
SECTION FOUR an accident and emergency department, a nurse will assess you

MEMBER'S GUIDE and if your illness or injury is not deemed as an emergency, you
may need to wait a long time to see a doctor.

OSHC 24 HOUR HELPLINE - 1800 814 781 Hospital treatment

If you have been admitted for emergency treatment, contact
In the event of a medical or personal situation, we will assist
Allianz Care Australia immediately on 1800 814 781. If you
you with:
have been referred to hospital for a non-emergency admission,
(a) 24 hour medical advice and assistance contact the claim department on 1800 651 349 prior to
(b) 24 hour telephone access to a solicitor for legal advice admission. You will need to provide Allianz Care Australia
(c) 24 hour access to an interpreting service with the details of your treatment and hospital stay. We will
then be able to confirm your cover and assist you with making
(d) assistance to replace travel documents or passports
arrangements for payment to the hospital.
(e) any messages which need to be passed to your family or
friends in the event of an emergency. Public admission
In a medical emergency situation call triple zero (000). Generally, OSHC pays for the total cost of your stay and
treatment as an in-patient in a shared ward of a public hospital.
AWP Australia Pty Ltd trading as Allianz Care Australia has
As a patient in a public hospital, your doctors will be nominated
been appointed by the underwriter Peoplecare to administer all
by the hospital. After your hospital discharges you, your care
assistance services. Please note that the provision of assistance
will be carried out in either the outpatient clinic by one of the
services to you is not deemed to be acceptance of cover in
hospital's specialists in his/her private rooms or you will be referred
circumstances where no cover is otherwise available to you
to your local general practitioner.
under this OSHC policy.
Private admission
THE AUSTRALIAN HEALTHCARE SYSTEM You can choose to be treated in a private hospital. Through our
It is very important that you have a good understanding of the relationship with Peoplecare we have agreements in place with
Australian healthcare system. If you understand the healthcare most private hospitals in Australia. These agreement hospitals
system in Australia, you will be able to access the best and most ensure that an agreed schedule of fees (including in-patient
effective treatment for you. accommodation, theatre and special unit accommodation fees
as appropriate) is charged by the hospital and paid by Allianz
GENERAL PRACTITIONERS Care Australia on a member’s behalf. You may incur out of
pocket costs for private hospital expenses.
If you are not in a medical emergency situation, the first point
of contact is a general practitioner (GP), medical practitioner or There are only a few private hospitals that are not part of
local health/medical centre. You can access many services at these agreement hospitals. If you are admitted to one of these
your local health centre. Some of the services available are: hospitals, we will not cover the full cost of your hospitalisation.
However, if you call us for a discussion before you are admitted
- general medicine and simple diagnostic screenings; to hospital, we will tell you how much it will cost you in out of
- assessment and treatment of health problems and injuries; pocket expenses.
- first aid services as needed;
- women’s and men’s health; For more information on hospital admissions and for details
- referrals to specialist services. on hospitals that we have agreements with, please visit
www.allianzcare.com.au/en/Hospital-admissions-guide.html

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FIND A DOCTOR CLAIMS REIMBURSEMENT
Direct billing services Paid accounts
You can attend a health service or doctor that direct bills Allianz If you have paid your medical or hospital bill, your benefit will be
Care Australia. You can find your closest direct billing service on reimbursed in Australian dollars by:
our website at www.allianzcare.com.au/oshc. You simply have - Direct debit - into your nominated Australian bank account; or
to show your valid Allianz Care Australia OSHC e-membership
card, and the bill for the covered portion of your service will be - Bank cheque - sent to your postal address as nominated on
sent directly to Allianz Care Australia. your claim form - please ensure your postal address is correct
and up to date.
Other medical providers
Unpaid accounts
You can attend any other medical practice or doctor in Australia.
In most cases, you will be required to pay the bill, and submit a If you have not paid your medical or hospital bill, the benefit
claim to Allianz Care Australia in order to be reimbursed. Some will be paid to the nominated health care provider (e.g. doctor
medical practices or doctors may charge more than the benefit or hospital).
payable, in which case you will be required to pay a co-payment You are responsible for any ‘co-payment’ payable to the
that is not covered by your policy. provider. In some instances our claims officers will contact you
to request more information. If you have further questions about
YOUR CLAIMING OPTIONS claims, visit the OSHC Simple Guide on our website listed below.
We will endeavour to process your claim within 10 working days
There are a few simple ways to claim including:
of receiving a completed claim form and all original documents.
Claim via Allianz MyHealth app If we need additional information, a written request will be sent
to you within 10 working days.
Use the Allianz MyHealth app to submit a claim, access and
update your membership details including your e-membership
card, and to access our 24-hour helpline. HELPFUL SERVICES
1. Download the app or login to the member portal. Online services and information
2. Register an account using your policy number. Simple and easy to use services and important information can
be found at our website www.allianzcare.com.au/oshc.
3. Select ‘Submit claim’.
Members services
4. Upload photos of your invoices and receipts.
If you need assistance with any matter, contact our friendly and
Manual claim helpful member service officers on 13 OSHC (13 6742), who will
1. Download the claim form from our website be able to assist you.
www.allianzcare.com.au/oshc.
2. Send your completed form and any relevant
attachments e.g. medical invoices (receipts) to
[email protected] with your policy
number in the email subject line.
Alternatively, you can post your claim and receipts to:
Allianz Care Australia OSHC
Locked Bag 3001
Toowong QLD 4066
It is important that you keep a copy of all your invoices
and receipts.
IMP3478

20 21
21
Allianz Care Australia
Overseas Student Health Cover - Standard

Online services and information

www.allianzcare.com.au/oshc

Members services and general enquiries

13 OSHC (13 6742)

Claims
1800 651 349

OSHC 24 hour helpline

Medical assistance and interpreting services
1800 814 781
In a medical emergency call triple zero (000)

This insurance is arranged and managed by

AWP Australia Pty Ltd
ABN 52 097 227 177
Trading as Allianz Care Australia
Level 16, 310 Ann Street, Brisbane, Queensland 4000
Locked Bag 3001, Toowong QLD 4066
Australia
Phone: in Australia 13 OSHC (13 67 42)
From overseas: +61 7 3305 7000
Fax: +61 7 3305 7009
[email protected]
www.allianzcare.com.au/oshc

Allianz Care Australia Overseas Student Health Cover policies are

authorised under a Deed entered into between Peoplecare Health
Limited and the Australian Government through the Department of
Health and Aged Care. Allianz Care Australia Overseas Student Health
Cover is managed by AWP Australia Pty Ltd ABN 52 097 227 177 trading
as Allianz Care Australia. Peoplecare Health Limited ABN 95 087 648
753, a private health insurer under the Private Health Insurance Act
2007 (Cth), is the underwriter of Allianz Care Australia Overseas Student
Health Cover policies.
OSHCSTD10/23