Overseas
Student
Health CoverStandard
Policy document
and members guideStandard policy document and members guide – effective 6 December 2012

Contents

2

Allianz Global Assistancewelcomes you to Australia!
• What is OSHC?
• Why is OSHC important?

3

Section one: OSHC Standard policy
This section outlines information on:• Eligibility and periods of cover• Benefits payable• Services not covered• General exclusions• Waiting period for pre-existing conditions• Words with special meanings

15

Section two: Members guideThis section outlines information on:• 24 hour / 7 day emergency assistance• The Australian healthcare system• How do I find a doctor• Your claiming options• Helpful servicesb1Allianz Global Assistancewelcomes you to Australia!

Section one:OSHC Standard policy

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

Who is eligible for OSHC?

Allianz Global Assistance is here to assist and provide services andinformation that make it easy to understand and use the healthcover which is available to you, whilst studying in Australia.

What is OSHC?
Overseas Student Health Cover (OSHC) is health insurance forinternational students which provides cover for the costs of:Overseas students are eligible for OSHC. You are an overseas
student if you are:(a) a person who is the holder of a Student Visa; or(b) a person whoiis an applicant for a Student Visa; andii

is the holder of a Bridging Visa; andiii

was, immediately before being granted theBridging Visa, the holder of a Student Visa.

• Out of hospital medical treatment• In hospital medical treatment• Prescription medicines• Surgically implanted prostheses• Emergency ambulance transport

Single or Family Cover

The Department of Health and Ageing (DHA) regulates
OSHC and OSHC providers.

• Dual family – covering the overseas student, and either one

Why is OSHC important?
Student Visa requirement
The Australian Government through the Department of
Immigration and Border Protection requires all holders ofa Student Visa to maintain OSHC during their entire stay inAustralia.

Your Certificate of Insurance will show which policy you haveselected. Your policy may be either:• Single – covering only the overseas student;

adult spouse or recognised de facto partner or one or morechildren or step-children under the age of 18 years who are
not married; or• Multi family – covering the overseas student and morethan one dependant, which can only include one adultspouse or recognised de facto partner and one or more
dependant children.

Maintaining OSHC is a mandatory condition
According to Student Visa condition 8501, overseas students who
do not maintain their OSHC are at risk of having their visa cancelled.

Medical treatment can be expensive
Overseas students are not eligible for Medicare (the publichealth insurance system for Australian Residents). Without
access to Medicare, overseas students may have difficulty
paying for medical treatment. In most cases, hospital treatment
will cost more than $800 per day.

2

3

Benefits covered under your policy

Service

Medical and hospital benefits

Prescription Medicines

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

Service

Benefit per service

Out of hospital medical services
Medical services provided
by most General
Practitioner services

Benefit amount as listed in the
Medicare Benefits Schedule (MBS)100% of the MBS fee*

All other medical services
such as pathology andradiology (including
specialists)

Benefit amount as listed in the
Medicare Benefits Schedule (MBS)85% of the MBS fee*

In hospital medical services

For Prescription Medicinesprescribed by your doctor.
Excludes:medications, drugs orother treatments notprescribed by a doctor
or not listed on the
Pharmaceutical Benefits
Scheme (PBS)

Benefit per service

Prescription Medicines Benefit
for expenses exceeding theequivalent of the current
Pharmaceutical Benefits Scheme(PBS) patient contribution forgeneral 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 alimit equivalent for a single person
as long as the family maximum
benefit has not been used.

Surgically implanted prostheses

Medical services provided
in hospital

100% of the Medicare Benefits
Schedule Fee.

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 andTerritory health authorities forservices 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.

Surgically implanted
prostheses and other items
included on the Federal
Government’s
prostheses List

100% of the cost as listed on theAustralian Prostheses list.

Ambulance services
When medically necessary
for admission to hospital orfor emergency treatment

100% of the charge for transport
by an ambulance provided byor under an arrangement with
an approved ambulance service
when medically necessary foradmission to hospital or for
emergency treatment.

* Benefits payable as per the Medicare Benefits Schedule Fee
You may incur out of pocket costs for hospital expenses

45How long do I have to be covered?

Services which are not covered under your policy:

The Australian Government requires that you have continuous
OSHC for the entire length of your stay in Australia.

(a) services provided by physiotherapists, osteopaths,
chiropractors, naturopaths or any other ancillary services

You can purchase OSHC for the proposed length of your Student
Visa (as provided by you to us).

Periods of cover:
1

Your OSHC Policy is only valid whilst you hold a current
Student Visa and have paid the full premium required.

(b) medications, drugs or other treatments not prescribed by adoctor and not included in the PBS(c) any costs associated with dental treatment, unless theservices provided meet the requirements of the Medicare
Benefits Schedule(d) optical charges

2

You are insured for the period of cover shown on yourCertificate of Insurance, starting on the commencement
date shown and ending on the expiry date shown.

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

3Your cover ceases on the date of your departure from
Australia, the date you cease to hold a Student Visa, or on
the expiry date shown on your Certificate of Insurance,
whichever occurs first. However if you leave Australia on aholiday but return prior to the expiry date shown on yourCertificate of Insurance and you still hold a current Student
Visa when you return, your cover will recommence on yourreturn to Australia and continues for the remaining periodof your cover.

(f) service fees charged by a doctor or hospital which are notincluded in the benefits covered under your policy.

The minimum period for which you must have OSHC
cover is the duration of your Student Visa, unless a medical
condition verified by a doctor and acquired during the termof your Student Visa has resulted in you being unfit to travel
home. However you will be required to provide to the
Department of Immigration and Border Protection evidenceof continuous coverage by OSHC for the proposed durationof your Student Visa as a condition of being granted aStudent Visa for that proposed duration.

(b) for treatment rendered outside of Australia, whether or
not in connection with a course of study and including
treatment necessary en route to or from Australia;

4

5

It is a Student Visa requirement that OSHC must becontinuous for the term of your Student Visa. If you allow
your OSHC to lapse whilst on a Student Visa, and you wish
to renew your OSHC during the duration of your Student
Visa, you must pay the premiums for the lapsed period.

6

No benefits are payable for claims incurred by you during
the lapsed period of your OSHC.

7Regardless of the general exclusions listed in this policy,
no additional waiting periods will apply to claims you
make if you have allowed your OSHC to lapse whilst on aStudent Visa and have since renewed your OSHC during theduration of your Student Visa.

6

General exclusions
Benefits are not payable for:(a) for services and treatment rendered as part of an assisted
reproductive program, including but not limited to in-vitro
fertilisation;(c) for treatment arranged in advance of the dependant’s oroverseas student’s arrival in Australia;(d) for treatment rendered to a dependant or overseas student
in the first twelve months after arrival in Australia wherethat treatment is for a pre-existing condition (other thana pre-existing condition of a psychiatric nature). This
exclusion does not apply where a medical practitioner
certifies, and we agree, that the dependant or overseas
student required emergency treatment in Australia. We will
not unreasonably withhold our agreement;(e) where an application was made for a Student Visa by anonshore applicant, who previously did not hold a Student
Visa, treatment rendered to a dependant or overseas
student in the first twelve months after purchase of OSHC
where that treatment is for a pre-existing condition (otherthan a pre-existing condition of a psychiatric nature). This
exclusion does not apply where a medical practitioner
certifies, and we agree, that the dependant or overseas
student required emergency treatment in Australia. We will
not unreasonably withhold our agreement;
7

(f) for treatment rendered to a dependant or overseas student
in the first two months after arrival in Australia where thattreatment is for a pre-existing condition of a psychiatricnature. This exclusion does not apply where a medical
practitioner certifies, and we agree, that the dependantor overseas student required emergency treatment inAustralia. We will not unreasonably withhold our agreement;(g) where an application was made for a Student Visa by anonshore applicant, who previously did not hold a Student
Visa, treatment rendered to a dependant or overseas
student in the first two months after purchase of OSHC
where that treatment is for a pre-existing condition of a
psychiatric nature. This exclusion does not apply wherea medical practitioner certifies, and we agree, that thedependant or overseas student required emergency
treatment in Australia. We will not unreasonably withhold
our agreement;

For the purposes of these exclusions, the date of an overseas
student or dependant arriving in Australia, and whether or nota condition is a pre-existing condition, will be determined inaccordance with the section 'Waiting period for pre-existing
conditions' below.

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 ifsuch costs arise from a pre-existing condition.
The waiting period is calculated as 12 months (or, in the caseof 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(h) for treatment of secondary conditions or disabilities
directly arising from the conditions or disabilities to whichsubclause (d) and (e) applies will be treated in accordancewith the provisions of subclause (d) and (e) respectively;

whichever is the later date.

(i) for treatment rendered to a dependant or overseas student
in the first twelve months after arrival in Australia wherethat treatment is for a pregnancy related condition. This
exclusion does not apply where a medical practitioner
certifies, and we agree, that the dependant or overseas
student required emergency treatment in Australia.
We will not unreasonably withhold our agreement;• the date you or your dependant (as the case may be) arrived(j) where an application was made for a Student Visa by anonshore applicant, who previously did not hold a Student
Visa, treatment rendered to a dependant or overseas
student in the first twelve months after purchase of OSHC
where that treatment is for a pregnancy related condition.
This exclusion does not apply where a medical practitioner
certifies, and we agree, that the dependant or overseas
student required emergency treatment in Australia.
We will not unreasonably withhold our agreement;(k) for transportation of a dependant or overseas student intoor out of Australia in any circumstance;• the date your Student Visa was granted,

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 periodof six months ending on the later of:in Australia; or• the date your Student Visa was granted.

In forming this opinion, the medical practitioner must haveregard to any information in relation to the ailment, illness orcondition 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 thetime 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.

(l) for services and treatment which are covered bycompensation or damages, entitlements or payments ofany kind; and(m) for elective cosmetic surgery.

89

Other important matters
This section explains your and our rights and responsibilities
under this policy.

1

Hospitalisation

If you or a person covered under your policy is hospitalised, youor the hospital must advise us as soon as possible.

2

Protection of your personal information

We collect your personal information

To arrange and manage your OSHC or OVHC policy, we (in thisPrivacy Notice “we”, “our” and “us” includes AGA AssistanceAustralia Pty Ltd trading as Allianz Global Assistance and its
representatives and agents) collect personal information
including sensitive medical information from you when you
apply for your policy (or make a claim) but also from others
whom we consider necessary including but not limited to yourfamily members, universities and educational institutions,
Government Departments, doctors, hospitals, and others who
assist us provide our services to you.
Why we collect your personal information

Access & complaints

You can seek access to your personal information, or make acomplaint by contacting us:The Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong,
QLD 4066, or telephone (07) 3305 7000. For more information
about access, correction, and complaints, please see our full privacy
policy available on request or via www.allianz-assistance.com.au.
If you do not agree to the above or will not provide us withpersonal information, you must let us know as we may not beable to provide you with our services.

3

Transferring from another OSHC FundIf you transfer to Allianz Global Assistance 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 Global Assistance
OSHC, we require that you obtain a clearance certificate fromyour current OSHC Fund. To arrange your transfer visit us atwww.oshcallianzassistance.com.au or call 13 OSHC (13 6742)
or mail us at oshc@allianz-assistance.com.au.

Any personal information provided to us is used not only toevaluate and arrange your policy, but also to administer andprovide services covered by your policy. We also use anddisclose it so as to comply with regulatory requirements, andto managing your and our rights and obligations including
managing, processing and investigating claims. We may also
use it for product development, marketing, research, IT systems
maintenance and development, recovery against third parties andfor other purposes with your consent or where authorised by law.

4

To whom do we disclose it

Private Health Insurance Ombudsman

Your personal information may be disclosed to and received fromyour healthcare provider, our agents and representatives as wellas third parties who assist us to provide the services and carry out
our business functions such as medical practitioners, hospitals
and other medical and assistance providers, educational
institutions, the underwriter, and Government Departments.

The Private Health Insurance Ombudsman has been
established to assist with enquiries and complaints about
any aspect of private health insurance. The Ombudsman
is independent of private health funds, private and public
hospitals and the Government. Information may be obtained orcomplaints lodged about health insurance by telephoning the
Ombudsman’s office toll free on 1800 640 695.

When you apply for this policy and in respect of any claim, youagree and consent to us collecting, using and disclosing yourpersonal information (including medical information) as set out
in this privacy notice including disclosing your personal information
to Government Departments such as the Department of
Immigration in the event that you receive a premium refund forwhatever reason or if your OVHC or OSHC policy is cancelled.
10

Resolving your concerns

Any enquiry or concerns relating to this policy should bereferred to:Allianz Global AssistanceOverseas Student Health Cover
Locked Bag 3001
TOOWONG QLD 4066
Telephone 13 OSHC (13 6742)

5

Premium refunds

You can apply in writing for a pro-rata refund of premium forthe unexpired portion of your policy if:(a) you paid your premium and did not come to Australia

11(b) you paid your premium on the basis of an extended stay
but the extension of authorised stay was not granted by the
Department of Immigration and Border Protection(c) you are obliged to cease studies and leave Australia before
the end of a period of approved stay for reasons beyond
your control(d) you have been granted permanent residence in Australia(e) you were not resident in Australia for a continuous period of
3 months or more but whilst holding a valid Student Visa(f) you can provide proof of OSHC provided by anotherorganisation which includes the period covered by
the organisation.
Please note:• Refunds are calculated on a monthly pro-rata basis, with aminimum refund of one month.
• A minimum cover period of 3 months is payable if cover iscancelled whilst in Australia.
• Any amount that we retain on these grounds is treated as afee for processing your refund.
• There is no minimum cover period payable if cover iscancelled prior to arrival in Australia.

6

You must help us recover any money we have paid

9

Fraud

Insurance fraud places additional costs on honest policy holders.
Fraudulent claims force insurance premiums to rise.
We encourage the community to assist in the prevention of
insurance fraud. You can help by reporting insurance fraud. All
information will be treated as confidential. Report insurance
fraud by calling 1800 453 937.

Words with special meanings
Some words in this policy have special meanings and aredefined below.
“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.
“Bridging Visa” has the meaning given by subsection 5(1) of
the Migration Act 1958.
“co-payment” means the amount you must contribute towards
a claim. It is the difference between the amount payable under
the Medicare Benefits Schedule and the amount actuallycharged for the medical service.
“dependant” means a person who is:

If a claim made by you and paid by us under this policy is subject
to recovery action by us against a third person you must do
the following:(a) a spouse or de facto partner of an overseas student; or• Assign your rights in relation to the recovery of any amount“doctor” means a person qualified and registered to practice
medicine or surgery in Australia.

we have paid under this policy.
• Provide us with reasonable assistance to recover payments
made by us.
• Reimburse us for any amounts paid to you as part of asettlement for claims paid by us.

7

You must provide additional information upon request(b) a child or step-child of an overseas student who isunmarried and has not turned 18.

“emergency treatment” means the treatment of any of thefollowing conditions:(a) risk of serious morbidity or mortality and requiring urgent
assessment and resuscitation; or(b) suspected acute organ or system failure; or

You must provide all information and details that we may
reasonably require in order to process any medical andhospital claims.

(c) an illness or injury where the viability of function of a bodypart or organ is acutely threatened; or

8(e) psychiatric disturbance whereby the health of the patient orother people is at immediate risk; orCompensation Fund

Benefits are not payable if your claim is for a loss which isrecoverable by compensation under any workers compensation
or transport accident laws or by any government sponsoredFund, Plan, or Medical Benefit Scheme, or any other similar typelegislation required to be effected by or under a law.
12(d) a drug overdose, toxic substance or toxin effect; or(f) severe pain where the viability or function of a body part ororgan is suspected to be acutely threatened; or(g) acute haemorrhaging and requiring urgent assessment andtreatment; or13

“hospital” means an established hospital registered under
Australian legislation that provides in-patient medical care.

“prescription medicines” means those medicines that requirea prescription completed by a doctor or other authorised
practitioner in order to be dispensed by a registered pharmacist.
Benefits are only payable on Prescription Medicines listed within
the Pharmaceutical Benefits Scheme.

“hospital same day services” means minor medical, surgicalor diagnostic treatment provided in a registered hospital or
medical centre, which does not require you to be confined in a
hospital overnight but must be admitted as a day patient.

“schedule fee” means the amount as determined from time totime by the Australian Government and listed in the Medicare
Benefits Schedule as the standard fee for a certain treatment
or service.

“injury” or “injured” means bodily injury.

“Student Visa” has the meaning given by subsection 5(1) of the
Migration Act 1958 and includes a Bridging Visa.

(h) a condition that requires immediate admission to avoid
imminent morbidity or mortality and where a transfer toanother facility is impractical.

“limit” means the maximum amount of payment by us. A limit
applies per person as long as the maximum benefit has notbeen used if you have a Family Policy (this includes both dualfamily or multi-family policies). Unless otherwise stated yourlimit relates to the maximum amount payable under a standard
12 month policy and is pro rata according to the length of coverof your policy.
“medical practitioner” has the meaning given to it in the
Health Insurance Act 1973.

“we”, “us” and “our” means Lysaght Peoplecare Limited, aprivate health insurer under the Private Health Insurance Act
2007 (Cth) and AGA Assistance Australia Pty Ltd (trading as
Allianz Global Assistance) as the manager of this Overseas
Student Health Cover product.
“you” or “your” means the person or persons named in theCertificate of Insurance under the heading ‘Insured Persons’.

“overseas student” has the same meaning as in Rule 18 of the
Health Insurance Business Rules, that is:(a) a person who is the holder of a Student Visa; or(b) a person who:
i is an applicant for a Student Visa; andii is the holder of a Bridging Visa; andiii was, immediately before being granted the Bridging
Visa, the holder of a Student Visa.
“PBS patient contribution” means the co-payment you arerequired to pay, by law, towards the cost of a prescription before
we start to calculate your benefit. The co-payment you haveto pay is the same as an Australian who does not receive any
concessional payments.
“Pharmaceutical Benefits Scheme” or “PBS” means theCommonwealth Scheme for the payment of pharmaceuticalbenefits detailed in Part VII of the National Health Act.
“premium” means the premium payable for your OSHC policy,
including all taxes and charges.

14

15

Section two:Members guide
OSHC 24 hour helpline - 1800 814 781
In the event of a medical or personal situtation, we will assist
you with:(a) 24 hour medical advice and assistance(b) 24 hour referrals to a doctor for medical treatment(c) 24 hour telephone access to a solicitor for legal advice(d) 24 hour access to an interpreting service(e) assistance to replace travel documents or passports(f) any messages which need to be passed to your family or
friends in the event of an emergency.
In a medical emergency situation call triple zero (000).
AGA Assistance Australia Pty Ltd trading as Allianz Global
Assistance has been appointed by the underwriter to administer
all assistance services. Please note that the provision ofassistance services to you is not deemed to be acceptance ofcover in circumstances where no cover is otherwise available toyou under this policy.

The Australian healthcare system
It is very important that you have a good understanding of theAustralian healthcare system. If you understand the healthcare
system in Australia, you will be able to access the best and mosteffective treatment for you.

General Practitioners
If you are not in a medical emergency situation, the first pointof contact is a general practitioner (GP), medical practitioner
or local health/medical centre. You can access many services atyour local health centre. Some of the services available are:
• General medicine and simple diagnostic screenings.
• Assessment and treatment of health problems and injuries.
• First aid services as needed.
• Women’s and men’s health.
• Referrals to specialist services.

In most cases, it is necessary for you to make an appointment to
see your doctor.
16

Accident and emergency treatment
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 accident and emergency department, a nurse will assess you
and if your illness or injury is not deemed as an emergency, you
may need to wait a long time to see a doctor.

Hospital treatment
If you have been admitted for emergency treatment, contact
Allianz Global Assistance immediately on 1800 814 781. If you
have been referred to hospital for a non-emergency admission,contact the claim department on 1800 651 349 prior toadmission. You will need to provide Allianz Global Assistancewith the details of your treatment and hospital stay. We willthen be able to confirm your cover and assist you with making
arrangements for payment to the hospital.

Public admission
Generally, OSHC covers the total cost of your stay and treatment
as an in-patient in a shared ward of a public hospital. As a publicpatient, your doctors will be nominated by the hospital. After yourhospital discharge your care will be carried out in either theoutpatient clinic, by one of the hospital's specialists in his/her
private rooms or you will be referred to your local general practitioner.

Private admission
You can choose to be treated in a private hospital. Through ourrelationship with Lysaght Peoplecare we have arrangements
in place with 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 appropriate) is charged by the hospitaland paid by Allianz Global Assistance on a member’s behalf. You
may incur out of pocket costs for private hospital expenses.
There are only a few private hospitals that are not part of these
agreement hospitals. In these cases, we may not cover the fullcost of your hospitalisation however, if you call us for a chatbefore you go into hospital we’ll be able to tell you how much it
will cost you. Members who choose a non-agreement hospital
may incur out of pocket expenses for hospital related services.

How do I find a doctor
Direct billing services
In order to minimise your medical expenses, you can attend ahealth service or doctor that direct bills Allianz Global Assistance.
17

You can find your closest direct billing service on our website atwww.oshcallianzassistance.com.au. You simply have to show
your valid Allianz Global Assistance OSHC membership card,and the bill for the covered portion of your service will be sent
directly to Allianz Global Assistance.

Other medical providers
You can attend any other medical practice or doctor in Australia.
In most cases, you will be required to pay the bill, and submit aclaim to Allianz Global Assistance in order to get your benefit
reimbursed. Some medical practices or doctors may charge
more than the benefit payable, in which case you will be
required to pay a co-payment that is not covered by your policy.

For paid accounts only
Cash claims
A Cash claim is a convenient way of processing your claim
on-campus. Cash claims are available at most major institutions.
There is a limit of $105 per invoice, and your medical bill musthave already been paid by you.
Step 1

Bring your original receipts to your local Allianz Global
Assistance OSHC representative who will process yourclaim

Step 2

You will receive a voucher that you can take to an
Australia Post outlet to redeem for cash

Online claims
Step 1

Go to the website : www.oshcallianzassistance.com.au

Step 2

Click on 'Students'

Step 3Enter your policy number, family name and date ofbirth to login

Step 4

Confirm your details

Step 5

Select 'File a Claim' from the menu and follow the
prompts

Step 6

Step 7

Upon successful submission of an online claim, a unique
claim number will be provided. Write this claim number
at the top of each of your tax invoices/receipts
Post the original tax invoices/receipts directly to Allianz
Global Assistance

Postal claims
Step 1

Obtain a claim form from your educational institutution,an Allianz Global Assistance OSHC member service pointor download and print a form off from our website

Step 2Complete the claim form in full. Please write clearly andsign the form ensuring you have clearly written your
OSHC policy number on the form

Step 3

Attach your receipts to the claim form

Step 4

Post the claim form, original tax invoices and receipts
directly to Allianz Global Assistance

It is important that you keep a copy of all your invoices
and receipts.
18

Claims reimbursement
Paid accounts
If you have paid your medical or hospital bill, your benefit will bereimbursed in Australian dollars by:• Direct debit - into your nominated Australian bank account; or• Bank cheque - sent to your postal address as nominated on yourclaim form - please ensure your postal address is correct and up
to date.
Unpaid accounts
If you have not paid your medical or hospital bill, the benefit will
be paid:• to the nominated health care provider (eg. doctor or hospital).

You are responsible for any ‘co-payment’ payable to theprovider. In some instances our claims officers will contact you
to request more information. If you have further questions
about claims, visit the ‘Claiming made easy’ fact sheet on our
website listed below.
We will endeavour to process your claim within 10 working daysof receiving a completed claim form and all original documents.
If we need additional information, a written request will be sent
to you within 10 working days.

Helpful services
Online services and information
Simple and easy to use services and important information canbe found at our website www.oshcallianzassistance.com.au.
Members services
If you need assistance with any matter, contact our friendly andhelpful member service officers on 13 OSHC (13 6742), whowill be able to assist you.

19

Allianz Global AssistanceOverseas Student Health Cover - Standard
Online services and informationwww.oshcallianzassistance.com.au
Members services and general enquiries
13 OSHC (13 6742)
Claims1800 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
AGA Assistance Australia Pty Ltd
ABN 52 097 227 177
Trading as Allianz Global Assistance
74 High Street Toowong QLD 4066
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
oshc@allianz-assistance.com.au
www.oshcallianzassistance.com.au
Effective 6 December 2012
Allianz Global Assistance Overseas Student Health Cover policies are authorised
under a Deed entered into between Lysaght Peoplecare Limited and theAustralian Government through the Department of Health and Ageing.
Allianz Global Assistance Overseas Student Health Cover is managed by AGA
Assistance Australia Pty Ltd ABN 52 097 227 177 trading as Allianz Global
Assistance. Lysaght Peoplecare Limited ABN 95 087 648 753, a private healthinsurer under the Private Health Insurance Act 2007 (Cth), is the underwriter ofAllianz Global Assistance Overseas Student Health Cover policies.