Overseas
Visitors
Health CoverPolicy document
and members guidePolicy document and members guide – effective 9 December 2014

Contents
Th e on e thin g th at
m atte rs th e m ost
is kn owin g yourhealth ca re wo n't
co st you a fo rtu nein A ustra lia .

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

3

Section one: OVHC 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

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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:OVHC policy

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

Who may be suitable for OVHC?

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 working in Australia.

What is OVHC?
Overseas Visitors Health Cover (OVHC) is health insurance forinternational visitors which provides cover for the costs of:• In hospital medical treatment• Prescription medicines• Surgically implanted prostheses• Emergency ambulance transport• Medical repatriation (only if authorised by AGA)
• Out of hospital medical treatment (Visitors Plus only)

Why is OVHC important?
Hospital and Medical treatment can be expensive
Australia has a public health insurance system, known as
Medicare, and a public hospital system, however overseas visitors
are generally not eligible for Medicare coverage or free treatment
in public hospitals*. This means that overseas visitors who need
hospital or medical treatment while they are in Australia will
have to pay for these services, and the costs can potentially besignificant – in most cases hospital treatment will cost more than
$1,500 per day.

OVHC may be suitable for you if you hold certain visa types (eligible
visas).
or
Allianz Global Assistance offers OVHC to holders of certain visa types(eligible visas).
Please refer to our website for details of the eligible visa types:
www.ovhcallianzassistance.com.au

Single or Family CoverYour Certificate of Insurance will show which policy you have selected.
Your policy may be either:• Single – covering only the overseas visitor;• Dual family – covering the overseas visitor, and either one adultspouse or recognised de facto partner or one or more children or stepchildren under the age of 18 years who are not married; or• Multi family – covering the overseas visitor and morethan one dependant, which can only include one adult spouse orrecognised de facto partner and one or more dependant children.

Visa requirement
If your visa is subject to Visa Condition 8501, you must maintainadequate arrangements for health insurance while you are inAustralia. Your visa conditions can be checked on the websiteof the Australian Government Department of Immigration and
Border Protection (DIBP). Allianz Global Assistance’s OVHC cover
meets all DIBP requirements and will satisfy Visa Condition 8501.
DIBP requires holders of student visas to have a particular
type of health insurance product, known as Overseas Student
Health Cover (OSHC) – if you hold a student visa you shouldtake out OSHC rather than OVHC. Information on Allianz
Global Assistance’s OSHC product is available at: www.
oshcallianzassistance.com.au.
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BUDGET VISITORS POLICY
Benefits covered under your Budget
Visitors policy
Medical and hospital benefits
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

In hospital medical services
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 when leading
to in-patient admission, andpost-operative services thatare a continuation of careassociated with an early
discharge from hospital.

The rate determined by State andTerritory health authorities forservices charged to a patient who
is not an Australian resident.
For admission-related PBS listed
drugs, the benefit is equal to theAustralian Government’s PBS list
price less the current PBS patient
contribution.

Service

Benefit per service

In hospital medical services (continued)
Surgically implanted
prostheses and other items
included on the Federal
Government’s
prostheses list.

100% of the minimum benefit
as listed on the Federal
Government's prostheses list.

Ambulance services
When medically necessary
for admission to hospital orfor emergency treatment
or for inter-hospital transfer
for clinical reasons.

100% of the charge for transport
by an ambulance provided by orunder an arrangement with anapproved ambulance service.

Medical repatriation benefit
Cover for your or yourdependants' repatriation
to your home country asa result of a life-altering
illness or injury, or in theunfortunate event of death,the repatriation of your or
their mortal remains.

100% of the costs authorised byAllianz Global Assistance up to a
maximum amount of $5,000.

Includes Pharmaceutical
Benefits Scheme (PBS) listed
drugs (including discharge
medications) that form partof the episode of hospitalcare.
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.

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

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5

VISITORS PLUS POLICY
Benefits covered under your Visitors Plus
policyMedical and hospital benefits
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

Service

Benefit per service

Prescription Medicines
For Prescription Medicinesprescribed by your doctor.
Excludes:medications, drugs or othertreatments not prescribedby a doctor or not listed
on PBS.

Benefit per service

Out of hospital medical services

Prescription Medicines Benefit
for expenses exceeding theequivalent of the current 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 longas the family maximum benefit has
not been used. Limits do not apply toadmission-related PBS listed drugs..

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 MBS
85% of the MBS fee.*

Surgically implanted prostheses

Medical services provided in
hospital.

100% of the MBS Fee.

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

Public hospital – admitted
patient in shared ward
hospital same day services,
accommodation, accident andemergency, and post-operative
services that are a continuationof care associated with an early
discharge from hospital.

The rate determined by State andTerritory health authorities for services
charged to a patient who is not anAustralian resident.

In hospital medical services

100% of the minimum benefit aslisted on the Federal Government’s
prostheses list.

Ambulance services

Includes Pharmaceutical
Benefits Scheme (PBS) listed
drugs (including discharge
medications) that form part ofthe episode of hospital care.
Private hospital/registered
day hospital facility.

6

For admission-related PBS listed
drugs, the benefit is equal to theAustralian Government’s PBS list
price less the current PBS patient
contribution.

100% of the contracted charges
for all insurable costs raised by
one of our agreement hospitals
with a minimum of shared ward
accommodation.

When medically necessary
for admission to hospital orfor emergency treatment
or for inter-hospital transfer
for clinical reasons.

100% of the charge for transport
by an ambulance provided by orunder an arrangement with anapproved ambulance service.

Medical repatriation benefit
Cover for your or yourdependants' repatriation
to your home country asa result of a life-altering
illness or injury, or in theunfortunate event of death,the repatriation of your or
their mortal remains.

100% of the costs authorised byAllianz Global Assistance up to a
maximum amount of $5,000.

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

7How long do I have to be covered?

General exclusions

For relevant visa types, the Australian Government requires thatyou have adequate arrangements for health insurance for theentire length of your stay in Australia

Benefits are not payable:

You can purchase OVHC up to 12 months at a time.

(a) for services and treatment rendered as part of an assisted
reproductive program, including but not limited to in-vitro
fertilisation;

Periods of cover:(b) for bone marrow and organ transplants;

1

Your OVHC Policy is only valid whilst you hold a current
eligible visa and have paid the full premium required.

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.

(c) 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;

3Your cover ceases on the date of your departure from
Australia, the date you cease to hold an eligible 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 eligible
visa when you return, your cover will recommence on yourreturn to Australia and continues for the remaining periodof your cover.

4

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

5

We will allow for acceptance of premiums for 60 days fromthe expiry date shown on your Certificate of Insurance
without terminating the membership, unless you cease
to hold an eligible visa. We are not obligated to pay fortreatments received during any arrears period until andunless the arrears are paid for the relevant period.

Services which are not covered under your policy:(a) services provided by physiotherapists, osteopaths,
chiropractors, naturopaths or any other ancillary services(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) for treatment arranged in advance of the dependant’s oroverseas visitor’s arrival in Australia;(e) for treatment rendered to a dependent or overseas visitor
in the first 12 months, other than psychiatric, rehabilitative
or palliative care, where the treatment is for a pre-existing
condition;(f) for treatment rendered to a dependent or overseas visitor
in the first 2 months where that treatment is psychiatric,
rehabilitative or palliative care and is for a pre-existing
condition;(g) for treatment rendered to a dependent or overseas
visitor in the first 12 months, where the treatment is for apregnancy-related condition;(h) for transportation of a dependant or overseas visitor
into Australia in any circumstance circumstance, or fortransportation out of Australia except in the circumstances
and to the extent covered by our “Medical Repatriation
Benefit”;(i) for services and treatment which are covered by compensation
or damages, provisions of any kind; and(j) for elective cosmetic surgery.
For the purposes of these exclusions, the start date forcalculating the relevant period of 12 months or 2 months, andwhether or not the condition is a pre-existing condition, will be
determined in accordance with the section “Waiting periods”
on page 10.

(d) optical charges(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(f) service fees charged by a doctor or hospital which are notincluded in the benefits covered under your policy.
89Waiting periods

Other important matters

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

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

1

Hospitalisation

The waiting period is calculated as 12 months (or, forpsychiatric, rehabilitative or palliative care, 2 months)
commencing from:If you or a person covered under your policy is hospitalised, youor the hospital must advise us as soon as possible.

• the date you or your dependant (as the case may be) arrived

2

in Australia; or• the date your eligible visa was granted,
whichever is the later date.

We collect your personal information

Protection of your personal information

If you have previously held OVHC or OSHC with us and: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.

• you voluntarily terminated your policy and 30 days have since

Why we collect your personal information

elapsed during which you did not hold health insurance; or• your policy was lawfully cancelled by us,
new waiting periods will commence upon commencement of
any new policy you take out with us after that time.

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.

If you are switching to Allianz Global Assistance from a similar
policy held with another insurer, and there has not been a gap inyour coverage of more than 30 days, we will count the time youwere covered under your previous policy towards any waiting
period which applies to your coverage with us – see the section“Other Important Matters” on page 12.

A pre-existing condition is an ailment, illness or condition
the signs or symptoms of which (in the opinion of a medical
practitioner appointed by us) existed at any time in the periodof 6 months ending on the relevant start date (determined inaccordance with the above rules). In forming such an opinion,
the medical practitioner must have regard to any informationin relation to the ailment, illness or condition that the medical
practitioner who treated the ailment, illness or condition gives
him or her.
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 eligible visa was
granted, whichever is the later date.

10

To whom do we disclose it

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.
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.
11

Access & complaints(a) you paid your premium and did not come to Australia

You can seek access to your personal information, or make acomplaint by contacting us:-(b) you paid your premium on the basis of an extended stay
but the extension of authorised stay was not granted by
Department of Immigration and Border Protection

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(d) you can provide proof of OVHC 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.

Transferring from another health insurer (Fund)If you transfer to Allianz Global Assistance from a similar policy
held with another Fund and there has not been a gap in yourcoverage of more than 30 days, then provided you can provide
documentary proof of the period you had cover with the other
Fund, we will take this period of cover into account whenassessing the waiting periods with us. If you are transferring to
Allianz Global Assistance, we require that you obtain a clearance
certificate from your current Fund.
To arrange your transfer:• visit us at www.ovhcallianzassistance.com.au• or call 1300 727 193,
• or email us at OVHC@allianz-assistance.com.au

4(c) you have been granted permanent residence in Australia

Resolving your concerns• 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

If a claim made by you and paid by us under this policy issubject to recovery action by us against a third person you
must do the following:• Assign your rights in relation to the recovery of any amount

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 a

Any enquiry or concerns relating to this policy should be referred to:settlement for claims paid by us.

Allianz Global AssistanceOverseas Visitors Health Cover
Locked Bag 3004
TOOWONG QLD 4066
Telephone 1300 727 193

7Private Health Insurance Ombudsman

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.

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.

5

Premium refunds

You can apply in writing for a pro-rata refund of premium forthe unexpired portion of your policy if:
12

You must provide additional information upon request

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

89Compensation Fund

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.
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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.
“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:(a) a spouse or de facto partner of an overseas visitor; or(b) a child or step-child of an overseas visitor who is unmarried
and has not turned 18.

“injury” or “injured” means bodily injury.
“limit” means the maximum amount of payment by us. A limit
applies per person as long as the maximum benefit has not beenused if you have a Family Policy (this includes both dual family or
multi-family policies). Unless otherwise stated your limit relates
to the maximum amount payable under a 12 month policy and is
pro rata according to the length of cover of your policy.
“medical practitioner” has the meaning given to it in the
Health Insurance Act 1973 (Cth).
“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.

“doctor” means a person qualified and registered to practice
medicine or surgery in Australia.

“Pharmaceutical Benefits Scheme” or “PBS” means theCommonwealth Scheme for the payment of pharmaceuticalbenefits detailed in Part VII of the National Health Act (Cth).

“emergency treatment” means the treatment of any of thefollowing conditions:“premium” means the premium payable for your OVHC policy,
including all taxes and charges.

(a) risk of serious morbidity or mortality and requiring urgent
assessment and resuscitation; or“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.

(b) suspected acute organ or system failure; or(c) an illness or injury where the viability of function of a bodypart or organ is acutely threatened; or(d) a drug overdose, toxic substance or toxin effect; or(e) psychiatric disturbance whereby the health of the patient orother people is at immediate risk; 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; or(h) a condition that requires immediate admission to avoid
imminent morbidity or mortality and where a transfer toanother facility is impractical.
“hospital” means an established hospital registered under
Australian legislation that provides in-patient medical care.

“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.
“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
Visitors Health Cover product.
“you” or “your” means the person or persons named in theCertificate of Insurance under the heading ‘Insured Persons’.

“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.

14

15

Section two:Members guide
OVHC 24 hour helpline - 1800 814 781

General Practitioners (benefits apply to
Visitors Plus only)
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:In the event of a medical or personal situation, we will assist
you with:• General medicine and simple diagnostic screenings.

(a) medical advice and assistance• First aid services as needed.

(b) referrals to a doctor for medical treatment• Women’s and men’s health.

(c) telephone access to a solicitor for legal advice• Referrals to specialist services.

(d) access to an interpreting service

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

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.
www.humanservices.gov.au/customer/dhs/medicare

16• Assessment and treatment of health problems and injuries.

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. If you hold a budget
visitor policy and your attendance at an accident and emergency
department does not lead to in-patient admission, no cover isprovided under your policy for any costs charged for your accident
and emergency attendance.

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 claims department on 1300 727 193 prior toadmission. You will need to provide Allianz Global Assistancewith the details of your treatment and hospital stay. We will

17then be able to confirm your cover and assist you with making
arrangements for payment to the hospital.

will cost you. Members who choose a non-agreement hospital
may incur out of pocket expenses for hospital related services.

Public admission

How do I find a doctor

Generally, OVHC 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. Afteryour hospital discharge your care will be carried out in either
the outpatient clinic, by one of the hospital's specialists in his/her private rooms or you will be referred to your local generalpractitioner.

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

Direct billing services
In order to minimise your medical expenses, you can attend ahealth service or doctor that direct bills Allianz Global Assistance.
You can find your closest direct billing service on our website
at www.ovhcallianzassistance.com.au. You simply have toshow your valid Allianz Global Assistance OVHC membershipcard, and the bill for the covered portion of your service will besent directly to Allianz Global Assistance.

Other medical providers
You can attend any other medical practice or doctor inAustralia. In most cases, you will be required to pay the bill,and submit a claim to Allianz Global Assistance in order to getyour 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 byyour policy.

Your claiming options
Submission of claims time limits
Claims must be lodged with us within 2 years of when you
received the service or treatment.

For paid and unpaid accounts
Postal claims

18

Step 1

Obtain a claim form from an Allianz Global
Assistance OVHC member service point or
download and print a form off from our website

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

Step 3

Attach your receipts to the claim form

19

Step 4

Scan and email a copy of your claim form andreceipts to ovhcclaims@allianz-assistance.com.au
Or
Post the claim form, original tax invoices andreceipts directly to Allianz Global AssistanceHelpful services
Online services and information
Simple and easy to use services and important information canbe found at our website:www.ovhcallianzassistance.com.au

It is important that you keep a copy of all yourinvoices and receipts.

Members services

Claims reimbursement

If you need assistance with any matter, contact our friendly andhelpful member service officers on 1300 727 193, who will beable to assist you.

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 onyour claim 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 - details on page 21.
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.

20

21

Allianz Global AssistanceOverseas Visitors Health CoverOnline services and informationwww.ovhcallianzassistance.com.au
Members services and general enquiries
1300 727 193
Claims1300 727 193
OVHC 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 3004, Toowong QLD 4066
Australia
Phone: in Australia 1300 727 193
From overseas: +61 7 3305 8833
Fax: +61 7 3305 7316
OVHC@allianz-assistance.com.au
www.ovhcallianzassistance.com.au
Effective 9 December 2014

IMP0886 091214

Allianz Global Assistance Overseas Visitors 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 health insurer under the Private Health Insurance Act 2007 (Cth),is the underwriter of Allianz Global Assistance Overseas Visitors Health
Cover policies.