OVERSEAS

OVERSEAS
STUDENT
STUDENT
HEALTH
HEALTH COVER
COVER
ESSENTIALS
ESSENTIALS

Policy document and members guide

 CONTENTS

02 ALLIANZ CARE AUSTRALIA WELCOMES YOU TO AUSTRALIA

OSHC gives you peace of mind - What is OSHC?

- Why is OSHC important?

knowing your health will be 03 SECTION ONE: OSHC ESSENTIALS POLICY

looked after so you can easily This section outlines information on:
- Eligibility and periods of cover
-
access medical services while
Benefits payable
- Services not covered
- General exclusions

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

Student Visa requirement

WHAT IF I HAVE THE WRONG OSHC POLICY TYPE?
The Australian Government through the Department of Home Affairs
If you hold a secondary Student Visa, you must be insured under the
requires all holders of a Student Visa to maintain adequate health
same policy as the primary Student Visa holder. You are not eligible to
insurance whilst they are in Australia unless an exemption applies.
hold an OSHC policy in your own right if you are a secondary Student
Notification to the Department of Home Affairs Visa holder or a dependant. A Partner of a primary Student Visa
holder or applicant is considered a secondary Student Visa holder.
As it is a condition of the Student Visa that OSHC must be
maintained while studying in Australia, Allianz Care Australia may If we become aware that you and any dependants have not
provide the Department of Home Affairs with the name and contact purchased the correct OSHC policy type, we may notify you that you
details of the Member who has cancelled his or her OSHC Policy or must transfer your policy to the correct OSHC policy type. We will
whose premium has been refunded. give you and your dependants a reasonable period to undertake
corrective action on your OSHC policy.
Medical treatment can be expensive
If you and your dependants fail to respond and undertake the corrective
Most overseas students are not eligible for Medicare (the public action, we may transfer your OSHC policy or policies to the appropriate
health insurance system for Australian citizens and permanent OSHC policy type and issue a revised invoice to you. If you and your
residents). Without access to Medicare, overseas students may have dependants fail to pay the revised invoice by the date specified, we may
difficulty paying for medical treatment. withhold benefits payable for services under your policy.
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
Medical and hospital benefits Medical repatriation of In the event of a serious illness, injury,
Overseas Student and their medical condition or death, we will
In the event of medical treatment being required by you or any
Dependants to their home cover the costs approved by a medical
dependants covered under your policy and occurring during the
country practitioner appointed by us up to a
period of cover, we will pay benefits for the following:
maximum benefit of $10,000 per policy.
You may incur out of pocket costs for hospital expenses. Prescription medicines
For more information about out of pocket costs, see ‘Private
Admission’ on page 19. For prescription medicines We will reimburse you the amount
prescribed by your doctor. paid for items on the Pharmaceutical
Service Benefit per service Excludes: Benefits Scheme that exceed the
medications, drugs or other Pharmaceutical Benefits Scheme
Out of hospital medical services treatments not prescribed (PBS) patient contribution for general
by a doctor or not listed beneficiaries * up to a maximum
Medical services We will cover 100% of the Medicare on the Pharmaceutical benefit of $50 per prescribed item
provided by most general Benefits Schedule Fee. Benefits Scheme (PBS).
practitioner services Annual Limits
From 1 January 2023
All other medical services We will cover 85% of the Medicare maximum amount per calendar year
such as pathology and Benefits Schedule Fee. for Single cover of $500 maximum
radiology (including amount per calendar year for Dual &
specialists) Multi-Family cover of $1,000
In hospital medical services Before 1 January 2023
maximum amount per calendar year
Medical services provided We will cover 100% of the Medicare
for Single cover of $300 maximum
in hospital to an admitted Benefits Schedule Fee. amount per calendar year for Dual &
patient Multi-Family cover of $600
Public hospital – admitted We will cover the rate determined Each individual in a Dual and Multi
patient in shared ward, by State and Territory health Family policy has a limit equivalent for
hospital same day authorities for services charged to a single person as long as the family
services, accommodation, a patient who is not an Australian maximum benefit has not been used.
accident and emergency, resident.
intensive care, and out *The PBS patient contribution for
patient medical, and post- general beneficiaries is listed at:
operative services https://www.pbs.gov.au/pbs/home

Private hospital/registered We will cover 100% of the contracted Surgically implanted prostheses
day hospital facility charges for all insurable costs raised Surgically implanted We will cover 100% of the cost as listed
by one of our agreement hospitals prostheses and other items in the Prostheses Rules.
with a minimum of shared ward included on the Federal
accommodation. Government’s prostheses list
If there is no agreement between us
Ambulance services
and the private hospital/registered
day hospital facility, we will pay the When medically necessary We will cover 100% of the charge for
applicable minimum benefit as set for admission to hospital or transport by an ambulance provided
out in the Benefit Requirement Rules. for emergency treatment by or under an arrangement with an
approved ambulance service when
medically necessary for admission to
For more information on agreement hospitals please see 'private
hospital or for emergency treatment.
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, optical
You can purchase OSHC for the proposed length of your Student
charges, or any other ancillary services, unless the services
Visa. If you have applied for a new Student Visa, you can contact us
provided meet the requirements of the Medicare Benefits
to extend your OSHC policy for the duration of the new Student Visa
Schedule;
by paying us the additional premium for the extended period.
(b) medications, drugs or other treatments not prescribed by a
Periods of cover: doctor and not included in the PBS;
1 Your OSHC Policy is only valid whilst you hold a current Student (c) the co-payment payable by you under Australian law or as a
Visa and have paid the full premium required. result of the provider charging more than the Medicare Benefits
Schedule Fee; or
2 You are insured for the period of cover shown on your Certificate
of Insurance, starting on the commencement date shown and (d) service fees charged by a doctor or hospital which are not
ending on the expiry date shown. included in the benefits covered under your OSHC policy.
3 Your cover ceases on the date of your departure from Australia,
the date you cease to hold a Student Visa, or on the expiry date
GENERAL EXCLUSIONS
shown on your Certificate of Insurance, whichever occurs first. Benefits are not payable for:
However if you leave Australia on a holiday but return prior to
the expiry date shown on your Certificate of Insurance and you (a) services and treatment rendered outside of Australia, including
still hold a current Student Visa when you return, your cover treatment rendered whilst travelling to or from Australia, except
will recommence on your return to Australia and continues for in the circumstances and to the extent covered by our “Medical
the remaining period of your cover. You are not insured for any Repatriation Benefit";
treatment you receive while you are absent from Australia or you (b) services and treatment where the medical expenses for the
no longer hold a Student Visa. service are for a compensable injury or illness that is covered
4 It is a Student Visa requirement that OSHC must be continuous by another insurer for which the other insurer or compensation
for the term of your Student Visa. If you allow your OSHC to agency has accepted liability;
lapse whilst on a Student Visa, and you wish to renew your
(c) services and treatment that are not medically necessary as
OSHC, you must pay us the premiums for the lapsed period.
certified by our medical practitioner, including elective
5 You are not insured for any treatment you receive during the cosmetic surgery;
lapsed period of your OSHC unless you have paid us the
premium for the lapsed period. (d) assisted reproductive services, including in-vitro fertilisation;

6 You will not need to re-serve waiting periods if you have (e) transportation of a dependant or overseas student into or out of
renewed your OSHC policy after allowing your policy to lapse Australia in any circumstance except in the circumstances and to
and you still hold a current Student Visa. the extent covered by our “Medical Repatriation Benefit”;
7 An Overseas Student may ask us to make other changes to their (f) treatment arranged in advance of the dependant’s or overseas
OSHC policy, including extensions, suspensions or changes to student’s arrival in Australia ;
the policy start date, if the Overseas Student provides us with
(g) treatment rendered to a dependant or overseas student in the
evidence of the following:
first twelve months of the OSHC policy where that treatment is
a) the Overseas Student or their Dependant is not residing in for a pre-existing condition. This includes secondary conditions
Australia at the expected policy start date; or or disabilities directly arising from a pre-existing condition. This
b) the Overseas Student or their Dependant is not residing in exclusion does not apply where our medical practitioner certifies
Australia during a period of OSHC purchased from us. that the dependant or overseas student required emergency
treatment in Australia;

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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
Your privacy:
WAITING PERIOD FOR PRE-EXISTING
Your privacy is important to us. To arrange, offer, and provide you with
CONDITIONS our products and services (or those we may offer or provide to you on
Waiting periods apply for pre-existing conditions behalf of our business partners) and for the purposes set out below,
we, namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as
You cannot claim for any treatment you receive while a waiting ‘Allianz Care Australia’, collect, store, use, process, and disclose your
period applies to your policy if the treatment arises from a personal information including sensitive information such as medical
pre-existing condition. information in accordance with the requirements of privacy laws.
The waiting period is calculated as 12 months commencing from the For full details of our privacy policy, please visit our website at
later of: www.allianzpartners.com.au and click on the Privacy & Security link.
- the date you or your dependant (as the case may be) arrived in When we collect your personal information, we are responsible for
Australia; or ensuring it is processed and protected in accordance with applicable
- the date your Student Visa was granted. privacy laws such as the Privacy Act 1988 (C’th), and sometimes
A person insured under an OSHC policy has a pre‑existing condition if: European Law such as the GDPR where our activities fall within
its scope. Personal information we collect includes, for example,
(a) the person has an ailment, illness or condition; and your name, address, date of birth, email address, your medical
(b) in the opinion of a medical practitioner appointed by us, the information, passport details, and bank account details. We also
signs or symptoms of that ailment, illness or condition existed at collect information through devices such as ‘cookies’ when you visit
any time in the period of 6 months ending on the day on which our website or use our mobile apps, in order to improve our website
the person became insured under the policy. functionality and user experience.

In forming an opinion for the purposes of paragraph (b), the medical Data collection:
practitioner must have regard to any information in relation to We usually collect your personal information directly from you but
the ailment, illness or condition that the medical practitioner who sometimes from others depending upon the circumstances and
treated the ailment, illness or condition gives him or her. the product involved. For example, to quote, arrange, or provide
No waiting period will apply if you receive any of the following types our health insurance products and services, we may collect your
of treatment: personal information from you, your agents, our agents, your broker,
other insurers, universities and learning institutions, Government
- General Practitioner services; departments managing Immigration, health, and foreign affairs
- care or treatment for a psychiatric condition; or including for visa purposes, family members including your partner
- where our medical practitioner certifies that you or your or spouse, travelling companions, as well as from doctors, hospitals,
dependant require emergency treatment in Australia. and other health 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.

Purposes & uses:

We use your personal information to arrange, offer, and provide our
products and services (or those we may offer or provide to you on
behalf of our business partners) and to manage your and our rights
and obligations in connection with any products and services you
have inquired about or acquired. For instance, we use it to assess,
process, and investigate health insurance claims, and to liaise with

8 9
Government Departments such as immigration, health, and foreign Other individuals/dependants:
affairs where it relates to your cover or your application for private
Except where you have legal authority to provide personal
health insurance cover.
information on behalf of another, such as in your capacity as a
We may also use it for product development, marketing (where parent or legal guardian, when you provide personal information
permitted by law or with your consent), customer data analytics, to us about another individual on your policy such as your spouse,
research, IT and related systems maintenance and development, partner, family member, dependant, or adult children, we rely on you
recovery against third parties, fraud investigations, to comply with and you warrant to us that you have first obtained that individual’s
requests from regulatory bodies and government departments, and consent, and have made them aware of the matters set out in this
for other purposes with your consent or where permitted by law. We Privacy Notice.
do not sell your personal information to any other person or entity
for marketing purposes. Access to and correction of personal information:
You may also seek access to your personal information (or that
Disclosures & overseas transfers:
of another on your policy where you are authorised to do so) and
Your personal information may be disclosed to your family ask us to correct or update it, and to obtain details about our data
members, co-insured on the same policy, your spouse or partner, processing activities in respect of your personal information. You may
as well as to third parties who assist us to carry out the activities have further rights in respect of your personal information where
set out in the ‘Purposes & Uses’ paragraph above, such as claims the GDPR law applies, and depending upon the circumstances, you
management providers, our agents and intermediaries, insurers, may request a restriction on processing, request it be deleted, and to
investigators, cost containment providers, medical and health receive it in a portable form, amongst other things.
service providers, universities and other education institutions,
overseas data processing and ‘cloud’ storage providers, legal and Withdrawal of consent:
other professional advisers, your agents and broker, your travel Where your personal information is used or processed with your
group leader if you travel in a group, your employer or sponsor, specific consent as the sole basis for such use and processing (rather
insurance reference bodies, and our related entities in the Allianz than on a contractual basis or legitimate interests of the company),
group of companies including Allianz Partners. Some of these third you may withdraw your consent at any time. Just contact us as set
parties to whom your personal information may be disclosed and out below.
transferred, will be located in other countries including in Europe, the
UK and Ireland, Asia, Canada, or the USA. We also, where necessary, Contact us:
disclose your personal information to Government Departments If you wish to make a complaint about your data privacy, or
that manage immigration, health, and foreign affairs, as well as to have a request for access or correction, or any query about
regulatory bodies including those involved in the health insurance your personal information, please contact: The Privacy Officer,
industry. We also disclose and transfer your personal information Allianz Care Australia, PO Box 162, Toowong, QLD 4066, or email
to our private health insurer that underwrites your policy, namely [email protected] or phone us on +61 7
Peoplecare Health Limited, which is a registered private health 3305 7000.
insurer, ABN 95 087 648 753. When we disclose or transfer your
personal information to third parties, we take steps binding those You can also contact the Privacy Commissioner at the Office of The
entities to comply with privacy law. Australian Information Commissioner, GPO Box 5218, Sydney, NSW,
2001 if you have a complaint.
Marketing:
Without your agreement to the matters set out above, we may not
We may, where permitted by law or with your consent, contact you be able to provide you with our products or services including the
by telephone, normal mail, email, electronic messages such as assessment and payment of any claims.
SMS, and via other means with promotional material and offers of
products or services from us, our related companies, and business
partners that we or they consider may be relevant and of interest
to you. Where we contact you as a result of obtaining your consent,
you can withdraw your consent at any time by calling us on 1800 023
767 or by contacting us – see below.

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SECTION THREE (a) you have failed to arrive in Australia to take up studies and will
not come to Australia at all;

OTHER IMPORTANT MATTERS (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 under (c) you have paid the premium on the basis a Student Visa will be
this policy. 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 are
If you or a dependant covered under your policy is hospitalised, you refused an extension;
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 Visa;
If you transfer to Allianz Care Australia OSHC from another OSHC
provider and you can give us evidence of the period you had OSHC (f) you have been granted permanent residence in Australia, or an
with another OSHC provider, we will take that period into account Australian visa (other than a Student Visa);
when assessing the waiting period for any pre-existing conditions If (g) you can prove to us that you were not residing in Australia for
you are transferring to Allianz Care Australia OSHC, we require that a continuous period of 3 months or more whilst holding a valid
you obtain a clearance certificate from your current OSHC provider. Student Visa;
To arrange your transfer visit us at:
(h) you can provide proof of OSHC taken out and paid for with
www.allianzcare.com.au/oshc another insurer which overlaps with the same period covered by
or call 13 OSHC (13 6742) us; or
or email us at [email protected]. (i) due to administrative changes that adjust the period of OSHC
beyond the dates required for your Student Visa.
3 Resolving your concerns
For clarity, where the Overseas Student has Dependants, the
Any enquiry or concerns relating to this policy should be referred by
refundable amount will also include paid premium amounts for the
contacting us:
Dependants.
by email: [email protected]
Please note:
by post: Allianz Care Australia
- Refunds are calculated on a monthly pro-rata basis.
Overseas Student Health Cover
- We will not pay you a refund if the unexpired portion of your
Locked Bag 3001
policy is less than 30 days.
TOOWONG QLD 4066
- As it is a condition of the Student Visa that adequate health
or by telephone on 13 OSHC (13 6742) insurance must be maintained while studying in Australia, Allianz
Care Australia may provide the Department of Home Affairs with
Commonwealth Ombudsman
the name and contact details of the member who has cancelled
The Commonwealth Ombudsman has responsibility to assist with his or her Policy or whose premium has been refunded.
enquiries and complaints about any aspect of private health
insurance. The Ombudsman is independent of private health funds, 5 You must help us recover any money we have paid
private and public hospitals and the Government. Information If we pay a claim that you make under this policy and we commence
may be obtained or complaints lodged about health insurance by recovery action against a third person in respect of your claim,
telephoning the Ombudsman’s office toll free on 1300 362 072 or at you must:
www.ombudsman.gov.au.
Email [email protected] - assign your rights in relation to the recovery of any amount we
have paid under your policy;
4 Premium refunds - provide us with reasonable assistance to recover any payments
You can apply in writing for a pro-rata refund of premium for the - we have made under your policy; and
unexpired portion of your policy if: - reimburse us for any amounts we have paid you as part of a
settlement for claims paid by us.
12 13
6 You must provide additional information upon request Benefit Requirement Rules means the Private Health Insurance
(Benefit Requirements) Rules 2011 (Cth) made in accordance with
You must provide all information and details that we may
section 333-20 of the Private Health Insurance Act 2007 (Cth).
reasonably require in order to process any medical and hospital
claims, including medical reports, GP notes, surgical notes and Bridging Visa has the meaning given by subsection 5 (1) of the
hospital discharge summaries. Migration Act 1958.

7 Compensation fund co-payment means the amount you must contribute towards a
Benefits are not payable if your claim is for a loss which is claim. It is the difference between the amount payable under the
recoverable by compensation under any workers compensation Medicare Benefits Schedule and the amount actually charged for
or transport accident laws or by any government sponsored fund, the medical service.
plan, or medical benefit scheme, or any other similar type scheme Complying Product Rules means the Private Health Insurance
required to be effected under law. (Complying Product) Rules 2015 made in accordance with section
333-20 of the Private Health Insurance Act 2007 (Cth).
8 Fraud
Insurance fraud places additional costs on honest policy holders. dependant means a:
Fraudulent claims force insurance premiums to rise. We encourage (a) a partner;
the community to assist in the prevention of insurance fraud. You can (b) any dependant children.
help by reporting insurance fraud. All information will be treated as
confidential. Report insurance fraud by calling 1800 453 937. dependant child means a child, adopted child or step-child of an
Overseas Student or their partner, where such child, adopted child
9 Changes to this Policy or step-child is an eligible family member for the purposes of a
At any time, we may change the terms and conditions of your policy Student Visa.
by giving you: doctor means a person qualified and registered to practice medicine
- where the change is a general change, no less than 30 days’ prior or surgery in Australia.
written notice; or emergency treatment means the treatment of any of the following
- where the change is a significant detrimental change, no less than conditions:
60 days’ prior written notice. (a) risk of serious morbidity or mortality and requiring urgent
assessment and resuscitation; or
The changes will take effect from the date specified in our notice.
(b) suspected acute organ or system failure; or
If you do not agree a change to the terms and conditions of your
(c) an illness or injury where the viability of function of a body part
policy and the change is a significant detrimental change, you may
or organ is acutely threatened; or
cancel your OSHC policy and apply for a pro-rata refund of premium
for the unexpired portion of your policy. (d) a drug overdose, toxic substance or toxin effect; or
(e) psychiatric disturbance whereby the health of the patient or
other people is at immediate risk; or

WORDS WITH SPECIAL MEANINGS (f) severe pain where the viability or function of a body part or
organ is suspected to be acutely threatened; or
Some words in this policy have special meanings and are defined
(g) acute haemorrhaging and requiring urgent assessment and
below.
treatment; or
arrive means the point in time that an overseas student or a (h) a condition that requires immediate admission to avoid
dependant is first in Australia, with the overseas student holding a imminent morbidity or mortality and where a transfer to another
valid Student Visa. facility is impractical in Australia which is confirmed by a Medical
assisted reproductive services has the same meaning and scope of Practitioner appointed by us to be the case, having due regard
cover as Schedule 5 of the Complying Product Rules. to, and considering, any information that is provided by the
treating Medical Practitioner of the relevant person at the time.
benefit means an amount of money we will pay to you or on your
behalf for approved expenses incurred by you in accordance with
your policy.

14 15
GP Services means out-of-hospital services claimed for items on the Peoplecare means Peoplecare Health Limited, a private health
Medicare Benefits Schedule under: insurer under the Private Health Insurance Act 2007 (Cth) and the
i. Group A1; underwriter of this Overseas Student Health Cover product.
ii. Group A2; Pharmaceutical Benefits Scheme or PBS means the
iii. Sub-groups 2 and 10 of Group A7; pharmaceutical items prescribed in the National Health Act 1953
iv. Group A22; (Cth) and the National Health (Listing of Pharmaceutical Benefits)
v. Group A23; Instrument 2012 (Cth).
vi. Sub-groups 1 and 2 of Group A40; and premium means the premium payable for your OSHC policy,
vii. Group A46. including all taxes and charges.
hospital means an established hospital registered under Australian prescription medicines means those medicines that require a
legislation that provides in-patient medical care. prescription completed by a doctor or other authorised health
hospital same day services means minor medical, surgical or practitioner in order to be dispensed by a registered pharmacist.
diagnostic treatment provided in a registered hospital or medical Benefits are only payable on prescription medicines listed within the
centre, which does not require you to be confined in a hospital Pharmaceutical Benefits Scheme.
overnight but must be admitted as a day patient. Prostheses Rules means the Private Health Insurance (Prostheses)
injury or injured means bodily injury. Rules (No. 1) 2022 made in accordance with section 333-20 of the
Private Health Insurance Act 2007 (Cth).
limit means the maximum amount of payment by us. A limit applies
per person as long as the maximum benefit has not been used if you schedule fee means the amount as determined from time to time
have a family policy (this includes both dual family and multi-family by the Australian Government and listed in the Medicare Benefits
policies). Unless otherwise stated your limit relates to the maximum Schedule as the standard fee for a certain treatment or service.
amount payable under a full calendar year and is pro rata according Student Visa has the meaning given by subsection 5(1) of the
to the duration of your policy. Migration Act 1958 and includes a Bridging Visa. For the purposes
medical practitioner has the meaning given to it in the Health of this policy document, a reference to Student Visa will include,
Insurance Act 1973 (Cth). where the context required, a reference to a person who is an
applicant for a Student Visa, is the holder of a Bridging Visa, and
Medicare Benefits Schedule Fee means the amount as determined was, immediately before being granted the Bridging Visa, the holder
from time to time by the Australian Government and listed in the of a Student Visa.
Medicare Benefits Schedule as the standard fee for a certain
treatment or service. we, us and our means AWP Australia Pty Ltd (trading as Allianz Care
Australia) as the arranger and manager of this Overseas Student
overseas student has the same meaning as in Rule 18 of the Health Health Cover product.
Insurance Business Rules, that is:
you or your means the person or persons named in the Certificate of
(a) a person who is the holder of a Student Visa; or Insurance under the heading ‘Insured Persons’.
(b) a person who:
i is an applicant for a Student Visa; and
ii is the holder of a Bridging Visa; and
iii was, immediately before being granted the Bridging Visa, the
holder of a Student Visa.
Partner means a spouse or de facto partner of an Overseas
Student, where such spouse or de facto partner is an eligible family
member for the purposes of a Student Visa.
PBS patient contribution means the co-payment you are required
to pay, by law, towards the cost of a prescription before we start to
calculate your benefit. The co-payment you have to pay is the same
as an Australian who does not receive any concessional payments.

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SECTION FOUR ACCIDENT AND EMERGENCY TREATMENT

MEMBER'S GUIDE 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 an
OSHC 24 HOUR HELPLINE - 1800 814 781 accident and emergency department, a nurse will assess you and if
your illness or injury is not deemed as an emergency, you may need
In the event of a medical or personal situtation, we will assist
to wait a long time to see a doctor.
you with:
(a) 24 hour medical advice and assistance Hospital treatment
(b) 24 hour referrals to a doctor for medical treatment If you have been admitted for emergency treatment, contact Allianz
Care Australia immediately on 1800 814 781. If you have been
(c) 24 hour access to an interpreting service
referred to hospital for a non emergency admission, contact the
(d) assistance to replace travel documents or passports claim department on 1800 651 349 prior to admission. You will need
(e) any messages which need to be passed to your family or friends to provide Allianz Care Australia with the details of your treatment
in the event of an emergency. and hospital stay. We will then be able to confirm your cover and
assist you with making arrangements for payment to the hospital.
In a medical emergency call triple zero (000).
AWP Australia Pty Ltd trading as Allianz Care Australia has Public admission
been appointed by the underwriter Peoplecare to administer all Generally, OSHC pays for the total cost of your stay and treatment as
assistance services. Please note that the provision of assistance an in-patient in a shared ward of a public hospital. As a patient in a
services to you is not deemed to be acceptance of cover in public hospital, your doctors will be nominated by the hospital. After
circumstances where no cover is otherwise available to you under your hospital discharges you, your care will be carried out in either
this OSHC policy. the outpatient clinic by one of the hospital's specialists in his/her private
rooms or you will be referred to your local general practitioner.
THE AUSTRALIAN HEALTHCARE SYSTEM
Private admission
It is very important that you have a good understanding of the
Australian healthcare system. If you understand the healthcare You can choose to be treated in a private hospital. Through our
system in Australia, you will be able to access the best and most relationship with Peoplecare we have agreements in place with
effective treatment for you. most private hospitals in Australia. These agreement hospitals
ensure that an agreed schedule of fees (including in-patient
accommodation, theatre and special unit accommodation fees as
GENERAL PRACTITIONERS appropriate) is charged by the hospital and paid by Allianz Care
If you are not in a medical emergency situation, the first point of Australia on a member’s behalf. You may incur out of pocket costs
contact is a general practitioner (GP), medical practitioner or local for private hospital expenses. We also have arrangements with
health/medical centre. You can access many services at your local private specialists in order to minimise your out of pocket costs for
health centre. Some of the services available are: medical services.

- general medicine and simple diagnostic screenings; There are only a few private hospitals that are not part of these
- assessment and treatment of health problems and injuries; agreement hospitals. If you are admitted to one of these hospitals,
- first aid services as needed; we will not cover the full cost of your hospitalisation. However, if
- women’s and men’s health; you call us for a discussion before you are admitted to hospital,
- referrals to specialist services. we will tell you how much it will cost you in out of pocket expenses.
Members who choose a non-agreement hospital may incur out of
In most cases, it is necessary for you to make an appointment to see
pocket expenses for hospital related services.
your doctor.

18 19
FIND A DOCTOR CLAIMS REIMBURSEMENT
Direct billing services Paid accounts
In order to minimise your out of pocket expenses, you can attend a If you have paid your medical or hospital bill, your benefit will be
health service or doctor that direct bills Allianz Care Australia. reimbursed in Australian dollars by:
You can find your closest direct billing service on our website at
- Direct debit - into your nominated Australian bank account; or
www.allianzcare.com.au/oshc. You simply have to show your valid
Allianz Care Australia OSHC e-membership card, and the bill for the - Bank cheque - sent to your postal address as nominated on your
covered portion of your service will be sent directly to Allianz Care claim form - please ensure your postal address is correct and up
Australia. to date.

Other medical providers Unpaid accounts

You can attend any other medical practice or doctor in Australia. In If you have not paid your medical or hospital bill, the benefit will be
most cases, you will be required to pay the bill, and submit a claim to paid to the nominated health care provider (e.g. doctor or hospital).
Allianz Care Australia in order to get your benefit reimbursed. Some You are responsible for any ‘co-payment’ payable to the provider. In
medical practices or doctors may charge more than the benefit some instances our claims officers will contact you to request more
payable, in which case you will be required to pay a co-payment that information. If you have further questions about claims, visit the
is not covered by your policy. OSHC Simple Guide on our website listed below.
We will endeavour to process your claim within 10 working days of
YOUR CLAIMING OPTIONS receiving a completed claim form and all original documents. If we
need additional information, a written request will be sent to you
There are a few simple ways to claim including:
within 10 working days.
Claim via Allianz MyHealth app
HELPFUL SERVICES
Use the Allianz MyHealth app to submit a claim, access and update
your membership details including your e-membership card, and to Online services and information
access our 24-hour helpline.
Simple and easy to use services and important information can be
1. Download the app or login to the member portal. found at our website www.allianzcare.com.au/oshc.
2. Register an account using your policy number. Members services
3. Select ‘Submit claim’. If you need assistance with any matter, contact our friendly and
helpful member service officers on 13 OSHC (13 6742), who will be
4. Upload photos of your invoices and receipts.
able to assist you.
Manual claim
1. Download the claim form from our website
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
IMP3315

and receipts.

20 21
Allianz Care Australia
Overseas Student Health Cover - Essentials

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, legal 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. 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.
OSHCESS 11/22