Allianz Care Australia OSHC

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allianz-care

We understand that maintaining your health is an important part of making your stay in Australia as safe and enjoyable as possible.

Allianz Care Australia is here to assist and provide services and information that make it easy to understand and use the health cover which is available to you, whilst studying in Australia.

Allianz Care Australia OSHC Insurance - Marketplace

Our passion to assist people was born when our founder experienced first-hand the effort required to bring his injured son safely home from overseas. This experience motivated him to start his own medical assistance company that was dedicated to helping people in need. Our company and brand has evolved over the years as we have grown:

We began in 1983 as a medical assistance company called Worldcare
In 2001, we joined the Allianz Group, under the name Mondial Assistance
In 2012 we rebranded to Allianz Global Assistance
In 2020, we transitioned to our global brand Allianz Care

In recent years, we have grown to become one of the largest providers of health insurance for international students, workers and visitors to Australia.

The Allianz Group operates in 70 countries around the world, offering a wide range of insurance and risk management products and services to 100 million customers.

Recruitment markets

insurance is available for all markets around the world.

Destination market

Australia.

Product

Standard

MEDICAL AND HOSPITAL BENEFITS

In the event of medical treatment being required by you or any dependants covered under your policy and occurring during the period of cover, we will pay benefits for the following:

Medical services provided by most General Practitioner services
All other medical services such as pathology and radiology (including specialists)
Public hospital – admitted patient in shared ward hospital same day services, accommodation, accident and emergency, out patient medical and post-operative services.
The rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.
Private hospital/registered day hospital facility.
100% of the contracted charges for all insurable costs raised by one of our agreement hospitals with a minimum of shared ward accommodation.
For Prescription Medicines prescribed by your doctor. Excludes: medications, drugs or other treatments not prescribed by a doctor or not listed on the Pharmaceutical Benefits Scheme (PBS)
Prescription Medicines Benefit for expenses exceeding the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution for general beneficiaries up to a: - maximum Benefit of $50 per prescribed item
- maximum amount per calendar year for Single cover of $300
- maximum amount per calendar year for Family cover of $600
Each individual in a family has a limit equivalent for a single person as long as the family
maximum benefit has not been used
Surgically implanted prostheses and other items included on the Federal Government’s prostheses List.
100% of the cost as listed on the Australian Prostheses list.
When medically necessary for admission to hospital or for emergency treatment.
100% of the charge for transport by an ambulance provided by or under an arrangement with an approved ambulance service when medically necessary for admission to hospital or for emergency treatment.

SERVICES WHICH ARE NOT COVERED UNDER YOUR POLICY

(a) any costs or services associated with dental treatment, physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services, unless the services provided meet the requirements of the Medicare Benefits Schedule

(b) medications, drugs or other treatments not prescribed by a doctor and not included in the PBS

(d) the co-payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee

(e) service fees charged by a doctor or hospital which are not included in the benefits covered under your policy

TRANSFERING FROM ANOTHER OSHC FUND

If you transfer to Allianz Care Australia OSHC from another OSHC Fund and can provide documentary proof of the period you had cover with the other Fund, we will take this period of cover into account when assessing the waiting period for any pre-existing condition. If you are transferring to Allianz Care Australia OSHC, we require that you obtain a clearance certificate from your current OSHC Fund.

WAITING PERIOD FOR PRE-EXISTING CONDITIONS

There is a waiting period for pre-existing conditions.

You cannot claim for costs arising during the waiting period if such costs arise from a pre-existing condition.

The waiting period is calculated as 12 months (or, in the case of pre-existing conditions of a psychiatric nature, two months) commencing from:

the date you or your dependant (as the case may be) arrived in Australia; or
the date your Student Visa was granted, whichever is the later date.

A pre-existing condition is an ailment, illness or condition the signs or symptoms of which (in the opinion of a medical practitioner approved or appointed by us) existed in the period of six months ending on the later of:

the date you or your dependant (as the case may be) arrived in Australia; or
the date your Student Visa was granted.

In forming this opinion, the medical practitioner must have regard to any information in relation to the ailment, illness or condition provided to that medical practitioner by the medical practitioner who treated the ailment, illness or condition.

This includes an ailment, illness or condition that was present, but had not been diagnosed by a medical practitioner at the time of your arrival in Australia or the date your Student Visa was granted, whichever is the later date.

A pre-existing condition includes a secondary related condition or disability directly arising from a pre-existing condition.

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