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How to claim your hospital payment

OSHCstudents – After your hospital stay, there’s often lots of paperwork and costs to work through. We’ll take a look at what the paperwork means, and how to navigate the claims process for private health insurance.

If you’ve been treated as a public patient, then your treatment is covered by Medicare.

What is a Statement of Benefits?

If you’re a private patient, the first thing you’ll often see after your hospital visit is a ‘Statement of Benefits’.

After your health insurer has processed payments to your hospital and specialist/s, they’ll usually send you a statement that explains what they paid for towards your treatment.

What do I do with a Statement of Benefits?

Check through the details

It’s a good idea to check through the statement; make sure your details are correct, and to contact your health insurer if anything doesn’t seem right, or if you have any questions

You might notice that it includes costs paid to specialists that you haven’t seen in person, but have provided a service to you in hospital, such as an anaesthetist.

Forward on any other payments to your specialist/s.

Sometimes your health insurer may also include a cheque made out to your specialist with your statement. You can simply forward this on to the specialist (usually to the hospital or to their clinic).

Check your statement against any bills your specialist/s, and hospital provided you.

Before your treatment, your doctor needs to get your consent for what they’ll charge, and what you’ll need to pay. Each doctor has a responsibility to ensure you understand what they plan to charge. This is called Informed Financial Consent.

It’s important, because you’ll need to pay any ‘gap’ (or amount above what your insurer and Medicare pay) yourself. This amount that you pay is often called ‘out of pocket costs’.

Your statement of benefits tells you what your insurer paid. It’s worth checking that against what your specialist/s and hospital told you they would charge, so you know if there is anything outstanding to pay.

Out of pocket costs and your hospital excess

Usually, your hospital will have asked you to pay any excess related to your policy before your treatment.

Your hospital and specialist/s will send you a bill for any out of pocket costs above what your insurer and Medicare pays (if any).

Paying your hospital costs

If the doctor or specialist bulk bills, the hospital will send the bill directly to your insurance provider, so there’s very little paperwork for you. Where applicable, the hospital may ask you to pay any excess, a co-payment or a daily, fixed fee when you’re admitted.

If the doctor or specialist does not bulk bill, you may be asked to pay the whole amount up front. In this case, you can submit a claim form to your provider to be reimbursed for some of these fees. If you purchase OSHC/OVHC via Annalink, you can rely on us for support and we will make a claim for you.

If you’re using your cover in a public hospital, the hospital will send the bill directly to your provider.

If you’re a public patient in a public hospital, Medicare will usually fully cover your costs.

You are international students or foreigners arrive to Australia, or Australian citizens traveling abroad who are looking for OSHC, OVHC, travel insurance, please contact OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.


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Baek Ah Yeon

I trust Allianz Care since it is one of the largest insurance companies in Australia, with the medical centres where I only have to pay for what is left from insurance support. (no need to claim later). Besides, those centres are located at the centre of the city, close to schools. Very convenient, right? Credits to Allianz Care for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

Ariella Pei

I’ve been living with homestay family for 2 years. I’m now 19, I can move out but I don’t want to leave my host, who has become my family. It feels like I’ve met my second family. Thanks OSHCstudents for sending me to this homestay!

Ariella Pei | University of Canberra

Chatchawat Paton

I realised how important insurance was when I started living in Australia. There I switched to using Allianz Care instead of the previous service. Allianz Care is extraordinarily good in its consulting service and customer care. I’ve learned a lot about Australian health care, also I was consulted with mental issues and how to live a healthy lifestyle. I am very happy now.

Chatchawat Paton | Torrent University

Phuong Anh

Having lived in Australia for 2 years, I’ve been reliant on AHM OSHC to pay for my health care, which supports me for other expenses. Last year, I sent my claim requests for several times and always received the claims within two days. Everything is easy, fast and simple.

Phuong Anh | Victoria University

Xiaoyu Cheng

Thanks to Allianz Care, every time I claimed my medical receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz Care is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University


My homestay was very comfortable and convenient. My host was really kind. He showed me where to shop, which buses to catch, where the nearest train station is, to get off at which station so that I wouldn’t be taken to another suburb. Travelling was easy since the place was close to public transports. It only took 30 minutes to get to my college, actually I could go anywhere easily!

Emma | Macquarie University

Jing Zhang

When told that I was going to live with an Italian family, I was pretty nervous and doubted whether or not they could speak English well as the local people? Yet it was no longer a problem when I saw them. They knew the problems of people who first came to Australia and always tried to help me. I learned so many things about both Australian and Italian culture and enjoyed tasty Italian meals every time. Awesome!

Jing Zhang | Griffith University

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