Overseas

Student
Health Cover
Essentials
Policy document
and members guide
 Essentials policy document and members guide – effective 7 August 2015

Contents

2 Allianz Global Assistance

welcomes you to Australia!
• What is OSHC?
• Why is OSHC important?

3 Section one: OSHC Essentials 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 guide

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

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Allianz Global Assistance Section one:
welcomes you to Australia! OSHC Essentials policy
We understand that maintaining your health is an important part Who is eligible for OSHC?
of making your stay in Australia as safe and enjoyable as possible.
Overseas students are eligible for OSHC. You are an overseas
Allianz Global Assistance is here to assist and provide services student if you are:
and information that make it easy to understand and use
the health cover which is available to you, whilst studying in (a) a person who is the holder of a Student Visa; or
Australia. (b) a person who
i is an applicant for a Student Visa; and
What is OSHC?
ii is the holder of a Bridging Visa; and
Overseas Student Health Cover (OSHC) is health insurance for iii was, immediately before being granted the Bridging
international students which provides cover for the costs of: Visa, the holder of a Student Visa.
• Out of hospital medical treatment
Single or Family Cover
• In hospital medical treatment
• Prescription medicines Your Certificate of Insurance will show which cover and policy you
• Surgically implanted prostheses have selected. Your cover may be either:
• Emergency ambulance transport • Single – covering only the overseas student; or
The Department of Health and Ageing (DHA) regulates OSHC and • Dual family – covering the overseas student, and either one
OSHC providers. adult spouse or recognised de facto partner or one or more
children or step-children under the age of 18 years who are not
Why is OSHC important? married; or
• Multi family – covering the overseas student and more
Student Visa requirement than one dependant, which can only include one adult
spouse or recognised de facto partner and one or more
The Australian Government through the Department of
dependant children.
Immigration and Border Protection requires all holders of a
Student Visa to maintain OSHC during their entire stay in Australia.

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 public health
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.

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Benefits covered under your policy Service Benefit per service
Medical and hospital benefits Prescription medicines
In the event of medical treatment being required by you or any For prescription medicines Prescription medicines benefit for
dependants covered under your policy and occurring during the prescribed by your doctor. expenses exceeding the equivalent
period of cover, we will pay benefits for the following: Excludes: of the current Pharmaceutical
medications, drugs or other Benefits Scheme (PBS) patient
Service Benefit per service treatments not prescribed contribution for general
by a doctor or not listed on beneficiaries up to a:
Out of hospital medical services the Pharmaceutical Benefits • maximum benefit of $50 per
Scheme (PBS). prescribed item
Medical services provided Benefit amount as listed in the
• maximum amount per calendar
by most general practitioner Medicare Benefits Schedule (MBS)
year for Single cover of $300
services 100% of the MBS fee*
• maximum amount per calendar
All other medical services Benefit amount as listed in the year for Family cover of $600
such as pathology and Medicare Benefits Schedule (MBS) Each individual in a family has a
radiology (including 85% of the MBS fee* limit equivalent for a single person
specialists) as long as the family maximum
benefit has not been used.
In hospital medical services

Medical services provided in 100% of the Medicare Benefits

Surgically implanted prostheses
hospital Schedule Fee.
Surgically implanted 100% of the cost as listed on the
Public hospital – admitted The rate determined by State and
prostheses and other items Australian Prostheses list.
patient in shared ward, Territory health authorities for
included on the Federal
hospital same day services, services charged to a patient who is
Government’s prostheses list
accommodation, accident not an Australian resident.
and emergency and out Ambulance services
patient medical, and post-
operative services When medically necessary for 100% of the charge for transport
admission to hospital or for by an ambulance provided by or
Private hospital/registered 100% of the contracted charges emergency treatment under an arrangement with an
day hospital facility for all insurable costs raised by approved ambulance service when
one of our agreement hospitals medically necessary for admission
with a minimum of shared ward to hospital or for emergency
accommodation. treatment.

* Benefits payable as per the Medicare Benefits Schedule Fee

You may incur out of pocket costs for hospital expenses

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How long do I have to be covered? Services which are not covered under your policy:

The Australian Government requires that you have continuous (a) services provided by physiotherapists, osteopaths,
OSHC for the entire length of your stay in Australia. chiropractors, naturopaths or any other ancillary services
(b) medications, drugs or other treatments not prescribed by a
You can purchase OSHC for the proposed length of your Student
doctor and not included in the PBS
Visa (as provided by you to us).
(c) any costs associated with dental treatment, unless the services
Periods of cover: provided meet the requirements of the Medicare Benefits
1 Your OSHC Policy is only valid whilst you hold a current Schedule
Student Visa and have paid the full premium required. (d) optical charges
2 You are insured for the period of cover shown on your (e) the co-payment payable by you under Australian law or as
Certificate of Insurance, starting on the commencement date a result of the provider charging in excess of the Medicare
shown and ending on the expiry date shown. Benefits Schedule Fee
3 Your cover ceases on the date of your departure from Australia, (f) service fees charged by a doctor or hospital which are not
the date you cease to hold a Student Visa, or on the expiry date included in the benefits covered under your policy.
shown on your Certificate of Insurance, whichever occurs first.
However if you leave Australia on a holiday but return prior to General exclusions
the expiry date shown on your Certificate of Insurance and you
still hold a current Student Visa when you return, your cover
Benefits are not payable for:
will recommence on your return to Australia and continues for (a) for services and treatment rendered as part of an assisted
the remaining period of your cover. reproductive program, including but not limited to
4 The minimum period for which you must have OSHC cover is in-vitro fertilisation;
the duration of your Student Visa, unless a medical condition (b) for treatment rendered outside of Australia, whether or not
verified by a doctor and acquired during the term of your in connection with a course of study and including treatment
Student Visa has resulted in you being unfit to travel home. necessary en route to or from Australia;
However you will be required to provide to the Department (c) for treatment arranged in advance of the dependant’s or
of Immigration and Border Protection evidence of continuous overseas student’s arrival in Australia;
coverage by OSHC for the proposed duration of your Student
(d) for treatment rendered to a dependant or overseas student
Visa as a condition of being granted a Student Visa for that
in the first twelve months after arrival in Australia where that
proposed duration.
treatment is for a pre-existing condition (other than a pre-
5 It is a Student Visa requirement that OSHC must be existing condition of a psychiatric nature). This exclusion does
continuous for the term of your Student Visa. If you allow your not apply where a medical practitioner certifies, and we agree,
OSHC to lapse whilst on a Student Visa, and you wish to renew that the dependant or overseas student required emergency
your OSHC during the duration of your Student Visa, you must treatment in Australia. We will not unreasonably withhold our
pay the premiums for the lapsed period. agreement;
6 No benefits are payable for claims incurred by you during the (e) where an application was made for a Student Visa by an onshore
lapsed period of your OSHC. applicant, who previously did not hold a Student Visa, treatment
7 Regardless of the general exclusions listed in this policy, no rendered to a dependant or overseas student in the first twelve
additional waiting periods will apply to claims you make if you months after purchase of OSHC where that treatment is for a
have allowed your OSHC to lapse whilst on a Student Visa and pre-existing condition (other than a pre-existing condition of
have since renewed your OSHC during the duration of your a psychiatric nature). This exclusion does not apply where a
Student Visa. medical practitioner certifies, and we agree, that the dependant
or overseas student required emergency treatment in Australia.
We will not unreasonably withhold our agreement;

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(f) for treatment of secondary conditions or disabilities directly In forming this opinion, the medical practitioner must have regard
arising from the conditions or disabilities to which subclause to any information in relation to the ailment, illness or condition
(d) and (e) applies will be treated in accordance with the provided to that medical practitioner by the medical practitioner
provisions of subclause (d) and (e) respectively; who treated the ailment, illness or condition.
(g) treatment for a pregnancy related condition for a dependant This includes an ailment, illness or condition that was present, but
or an overseas student where total duration of the overseas had not been diagnosed by a medical practitioner at the time of
student’s visa and any immediately preceding visa is less than your arrival in Australia or the date your Student Visa was granted,
three months. If an overseas student on an initial visa of less whichever is the later date.
than three months duration obtains a new Student Visa to
increase their stay to three months or more then this exclusion A pre-existing condition includes a secondary related condition or
ceases from the date of issue of the second visa; disability directly arising from a pre-existing condition.

(h) for transportation of a dependant or overseas student into or

out of Australia in any circumstance;
Other important matters
(i) for services and treatment which are covered by compensation This section explains your and our rights and responsibilities under
or damages, entitlements or payments of any kind; and this policy.
(j) for elective cosmetic surgery. 1 Hospitalisation
For the purposes of these exclusions, the date of an overseas If you or a person covered under your policy is hospitalised, you or
student or dependant arriving in Australia, and whether or not the hospital must advise us as soon as possible.
a condition is a pre-existing condition, will be determined in
accordance with the section 'Waiting period for pre-existing 2 Privacy Notice
conditions' below. Your privacy is important to us and we are committed to
complying with our obligations under the Privacy Act 1988 and
Waiting period for pre-existing conditions the Australian Privacy Principles. By providing your personal
information to us or our agents, you consent and agree to us
There is a waiting period for pre-existing conditions
collecting, holding, using, and disclosing your personal information
You cannot claim for costs arising during the waiting period if such (including sensitive information such as your medical details) in
costs arise from a pre-existing condition (other than a pre-existing accordance with our privacy policy which is available from us on
condition of a psychiatric nature). request or view it on the web at
The waiting period is calculated as 12 months commencing from: http://www.allianz-assistance.com.au/privacy-and-security/. We
summarise below some key aspects of our privacy policy.
• the date you or your dependant (as the case may be) arrived in
We collect your personal information
Australia; or
• the date your Student Visa was granted, To arrange and manage your OSHC or OVHC policy, we (in this
Privacy Notice “we”, “our” and “us” means AGA Assistance Australia
whichever is the later date. Pty Ltd ABN 52 097227 177 of 74 High St, Toowong, 4066, phone
A pre-existing condition is an ailment, illness or condition the signs (07) 3305 7000, trading as Allianz Global Assistance) collect your
or symptoms of which (in the opinion of a medical practitioner personal information including sensitive information not only
approved or appointed by us) existed in the period of six months from you (such as when you apply for your policy or make a claim)
ending on the later of: but also from universities and other educational institutions,
Government Departments, doctors, hospitals, your family members
• the date you or your dependant (as the case may be) arrived in
and personal representatives, and others who assist us provide our
Australia; or services to you. For example, we collect your name, address, date
• the date your Student Visa was granted. of birth, credit card and/or bank account details, country of origin,
passport details, medical and other information.

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Why we collect your personal information For more information about our handling of personal information,
Any personal information provided to us is used to evaluate and including access, correction, and complaints, please refer to our
arrange your policy, and to administer and provide services covered privacy policy available on request or view it on the web page set
by your policy. We may also use it to provide other services such as out above.
welcoming, orientation, and information services to you including If you do not agree to our privacy policy or will not provide us with
before you arrive in Australia. We also use and disclose it so as to personal information, we may not be able to provide you with our
comply with regulatory requirements, to manage, process, and services.
investigate claims, for product development, for customer data
analytics and research, for marketing our products to you and those 3 Transferring from another OSHC Fund
of our business partners unless you opt out, for recovery action If you transfer to Allianz Global Assistance OSHC from another
against third parties as well as for other purposes with your consent OSHC Fund and can provide documentary proof of the period you
or where authorised by law. had cover with the other Fund, we will take this period of cover into
To whom do we disclose it account when assessing the waiting period for any pre-existing
condition. If you are transferring to Allianz Global Assistance
Your personal information may be disclosed to our agents and
OSHC, we require that you obtain a clearance certificate from your
representatives as well as to other service providers and third
current OSHC Fund.
parties who assist us provide the services to you or to carry out our
normal business activities including claims handlers, assessors, To arrange your transfer visit us at:
investigators, medical practitioners, hospitals and other medical www.oshcallianzassistance.com.au
assistance and health care providers, educational institutions
or call 13 OSHC (13 6742)
and Government Departments, insurers and re-insurers, ‘cloud’
storage providers, as well as your family members and personal or mail us at [email protected].
representatives.
4 Resolving your concerns
Some of the above service providers, agents, and representatives
Any enquiry or concerns relating to this policy should be referred to:
to whom we disclose your personal information (including those
that assist us with claims handling and orientation and information Allianz Global Assistance
services) may be located in other countries where the Allianz Overseas Student Health Cover
Group and its subcontractors have a presence including but not Locked Bag 3001
limited to France, India, China, Thailand, and Japan. You agree that TOOWONG QLD 4066
whilst those overseas service providers will often be subject to Telephone 13 OSHC (13 6742)
confidentiality or privacy obligations, they may not always comply Private Health Insurance Ombudsman
with Australian privacy laws.
The Private Health Insurance Ombudsman has been established
Marketing to assist with enquiries and complaints about any aspect of private
Unless you opt out, we may contact you on an ongoing basis by health insurance. The Ombudsman is independent of private
telephone, mail, electronic message (including email) with offers health funds, private and public hospitals and the Government.
of products or services that we consider may be relevant and of Information may be obtained or complaints lodged about health
interest to you. If you do not want to receive such offers, you can insurance by telephoning the Ombudsman’s office toll free on
opt out at any time by calling Allianz Global Assistance on 1800 640 695.
1800 023 767. 5 Premium refunds
Access & Complaints You can apply in writing for a pro-rata refund of premium for the
You can seek access to and ask to correct your personal unexpired portion of your policy if:
information or make a complaint about your privacy by contacting (a) you paid your premium and did not come to Australia
us on telephone (07) 3305 7000 or by writing to ‘The Privacy
Officer’, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066.

10 11
(b) you paid your premium on the basis of an extended stay 9 Fraud
but the extension of authorised stay was not granted by the Insurance fraud places additional costs on honest policy holders.
Department of Immigration and Border Protection Fraudulent claims force insurance premiums to rise. We
(c) you are obliged to cease studies and leave Australia before encourage the community to assist in the prevention of insurance
the end of a period of approved stay for reasons beyond fraud. You can help by reporting insurance fraud. All information
your control will be treated as confidential. Report insurance fraud by calling
(d) you have been granted permanent residence in Australia 1800 453 937.
(e) you were not resident in Australia for a continuous period of 3
months or more but whilst holding a valid Student Visa Words with special meanings
(f) you can provide proof of OSHC provided by another Some words in this policy have special meanings and are defined
organisation which includes the period covered by below.
the organisation.
“benefit” means an amount of money we will pay to you or on
Please note: your behalf for approved expenses incurred by you in accordance
• Refunds are calculated on a monthly pro-rata basis, with a with your policy.
minimum refund of one month. “Bridging Visa” has the meaning given by subsection 5 (1) of the
• A minimum cover period of 3 months is payable if cover is Migration Act 1958.
cancelled whilst in Australia.
“co-payment” means the amount you must contribute towards a
• Any amount that we retain on these grounds is treated as a fee
claim. It is the difference between the amount payable under the
for processing your refund.
Medicare Benefits Schedule and the amount actually charged for
• There is no minimum cover period payable if cover is cancelled
the medical service.
prior to arrival in Australia.
“dependant” means a person who is:
6 You must help us recover any money we have paid
(a) a spouse or de facto partner of an overseas student; or
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 (b) a child or step-child of an overseas student who is unmarried
following: and has not turned 18.

• Assign your rights in relation to the recovery of any amount we

“doctor” means a person qualified and registered to practice
medicine or surgery in Australia.
have paid under this policy.
• Provide us with reasonable assistance to recover payments "emergency treatment" means the treatment of any of the
made by us. following conditions:
• Reimburse us for any amounts paid to you as part of a (a) risk of serious morbidity or mortality and requiring urgent
settlement for claims paid by us. assessment and resuscitation; or
7 You must provide additional information upon request (b) suspected acute organ or system failure; or
You must provide all information and details that we may (c) an illness or injury where the viability of function of a body part
reasonably require in order to process any medical and or organ is acutely threatened; or
hospital claims. (d) a drug overdose, toxic substance or toxin effect; or
8 Compensation fund (e) psychiatric disturbance whereby the health of the patient or
other people is at immediate risk; or
Benefits are not payable if your claim is for a loss which is
recoverable by compensation under any workers compensation (f) severe pain where the viability or function of a body part or
or transport accident laws or by any government sponsored organ is suspected to be acutely threatened; or
Fund, Plan, or Medical Benefit Scheme, or any other similar type (g) acute haemorrhaging and requiring urgent assessment and
legislation required to be effected by or under a law. treatment; or

12 13
(h) a condition that requires immediate admission to avoid “prescription medicines” means those medicines that require
imminent morbidity or mortality and where a transfer to a prescription completed by a doctor or other authorised
another facility is impractical. practitioner in order to be dispensed by a registered pharmacist.
"hospital” means an established hospital registered under Benefits are only payable on prescription medicines listed within
Australian legislation that provides in-patient medical care. the Pharmaceutical Benefits Scheme.

“hospital same day services” means minor medical, surgical or “schedule fee” means the amount as determined from time to
diagnostic treatment provided in a registered hospital or medical time by the Australian Government and listed in the Medicare
centre, which does not require you to be confined in a hospital Benefits Schedule as the standard fee for a certain treatment
overnight but must be admitted as a day patient. 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.
“limit” means the maximum amount of payment by us. A limit
applies per person as long as the maximum benefit has not been “we”, “us” and “our” means Lysaght Peoplecare Limited, a private
used if you have a family policy (this includes both dual family or health insurer under the Private Health Insurance Act 2007 (Cth)
multi-family policies). Unless otherwise stated your limit relates to and AGA Assistance Australia Pty Ltd (trading as Allianz Global
the maximum amount payable under a standard 12 month policy Assistance) as the manager of this Overseas Student Health
and is pro rata according to the length of cover of your policy. Cover product.

"medical practitioner" has the meaning given to it in the Health “you” or “your” means the person or persons named in the
Insurance Act 1973. Certificate 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; 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.
“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.
“Pharmaceutical Benefit Scheme” or “PBS” means the
Commonwealth Scheme for the payment of pharmaceutical
benefits 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: Accident and emergency treatment
Many hospitals have a 24 hour Accident and Emergency
Members guide 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
OSHC 24 hour helpline - 1800 814 781 if your illness or injury is not deemed as an emergency, you may
In the event of a medical or personal situtation, we will assist you need to wait a long time to see a doctor.
with:
Hospital treatment
(a) 24 hour medical advice and assistance
If you have been admitted for emergency treatment, contact
(b) 24 hour referrals to a doctor for medical treatment Allianz Global Assistance immediately on 1800 814 781. If you
(c) 24 hour telephone access to a solicitor for legal advice have been referred to hospital for a non emergency admission,
(d) 24 hour access to an interpreting service contact the claim department on 1800 651 349 prior to admission.
You will need to provide Allianz Global Assistance with the details
(e) assistance to replace travel documents or passports
of your treatment and hospital stay. We will then be able to
(f) any messages which need to be passed to your family or confirm your cover and assist you with making arrangements for
friends in the event of an emergency. payment to the hospital.
In a medical emergency call triple zero (000).
Public admission
AGA Assistance Australia Pty Ltd trading as Allianz Global
Generally, OSHC covers the total cost of your stay and treatment
Assistance has been appointed by the underwriter to administer
as an in-patient in a shared ward of a public hospital. As a public
all assistance services. Please note that the provision of assistance
patient, your doctors will be nominated by the hospital. After
services to you is not deemed to be acceptance of cover in
your hospital discharge your care will be carried out in either the
circumstances where no cover is otherwise available to you under
outpatient clinic, by one of the hospital's specialists in his/her private
this policy.
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 You can choose to be treated in a private hospital. Through our
Australian healthcare system. If you understand the healthcare relationship with Lysaght Peoplecare we have arrangements in
system in Australia, you will be able to access the best and most place with most private hospitals in Australia. These agreement
effective treatment for you. hospitals ensure that an agreed schedule of fees (including in-
patient accommodation, theatre and special unit accommodation
General practitioners fees as appropriate) is charged by the hospital and paid by Allianz
Global Assistance on a member’s behalf. You may incur out of
If you are not in a medical emergency situation, the first point of pocket costs for private hospital expenses.
contact is a general practitioner (GP), medical practitioner or local
health/medical centre. You can access many services at your local There are only a few private hospitals that are not part of these
health centre. Some of the services available are: agreement hospitals. In these cases, we may not cover the full cost
of your hospitalisation however, if you call us for a chat before you
• General medicine and simple diagnostic screenings. go into hospital we’ll be able to tell you how much it will cost you.
• Assessment and treatment of health problems and injuries. Members who choose a non-agreement hospital may incur out of
• First aid services as needed. pocket expenses for hospital related services.
• 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 17
How do I find a doctor Postal claims
You are responsible for any ‘co-payment’ payable to the provider.
In some instances our claims officers will contact you to request
Direct billing services Step 1 Obtain a claim form from your educational institutution, more information. If you have further questions about claims, visit
an Allianz Global Assistance OSHC member service point the ‘Claiming made easy’ fact sheet on our website listed below.
In order to minimise your medical expenses, you can attend a
health service or doctor that direct bills Allianz Global Assistance. or download and print a form off from our website We will endeavour to process your claim within 10 working days of
You can find your closest direct billing service on our website at Step 2 Complete the claim form in full. Please write clearly and receiving a completed claim form and all original documents. If we
www.oshcallianzassistance.com.au. You simply have to show sign the form ensuring you have clearly written your need additional information, a written request will be sent to you
your valid Allianz Global Assistance OSHC membership card, and OSHC policy number on the form within 10 working days.
the bill for the covered portion of your service will be sent directly
to Allianz Global Assistance. Step 3 Attach your receipts to the claim form Helpful services
Other medical providers Step 4 Post the claim form, original tax invoices and receipts Online services and information
directly to Allianz Global Assistance
You can attend any other medical practice or doctor in Australia. Simple and easy to use services and important information can be
In most cases, you will be required to pay the bill, and submit a found at our website www.oshcallianzassistance.com.au.
claim to Allianz Global Assistance in order to get your benefit It is important that you keep a copy of all your invoices
and receipts. Members services
reimbursed. Some medical practices or doctors may charge more
If you need assistance with any matter, contact our friendly and
than the benefit payable, in which case you will be required to pay For paid accounts only helpful member service officers on 13 OSHC (13 6742), who will
a co-payment that is not covered by your policy.
be able to assist you.
Cash claims
Your claiming options
A Cash claim is a convenient way of processing your claim on-campus.
For paid and unpaid accounts Cash claims are available at most major institutions. There is a limit
of $105 per invoice, and your medical bill must have already been
Online claims paid by you.

Step 1 Go to the website : Step 1 Bring your original receipts to your local Allianz Global
www.oshcallianzassistance.com.au Assistance OSHC representative who will process your
claim
Step 2 Click on 'Students'
Step 2 You will receive a voucher that you can take to an
Step 3 Enter your policy number, family name and date of Australia Post outlet to redeem for cash
birth to login

Step 4 Confirm your details

Claims reimbursement
Paid accounts
Step 5 Select 'File a Claim' from the menu and follow the
prompts If you have paid your medical or hospital bill, your benefit will be
reimbursed in Australian dollars by:
Step 6 Upon successful submission of an online claim, a unique
claim number will be provided. Write this claim number • Direct debit - into your nominated Australian bank account; or
at the top of each of your tax invoices/receipts • Bank cheque - sent to your postal address as nominated on
your claim form - please ensure your postal address is correct
Step 7 Post the original tax invoices/receipts directly to Allianz and up to date.
Global Assistance
Unpaid accounts
It is important that you keep a copy of all your invoices If you have not paid your medical or hospital bill, the benefit will
and receipts. be paid:
• to the nominated health care provider (eg. doctor or hospital).

18 19 20
Allianz Global Assistance
Overseas Student Health Cover - Essentials

Online services and information

www.oshcallianzassistance.com.au

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

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
[email protected]
www.oshcallianzassistance.com.au

Effective 7 August 2015

Allianz Global Assistance Overseas Student Health Cover policies are authorised
under a Deed entered into between Lysaght Peoplecare Limited and the
Australian 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 health
insurer under the Private Health Insurance Act 2007 (Cth), is the underwriter of
Allianz Global Assistance Overseas Student Health Cover policies.
IMP1021 070815