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Things you should know about waiting periods

OSHCstudents – What is a waiting period? Why are there waiting periods? We will help you answer these questions.


What is a waiting period?

A waiting period is a period of time that you may need to have your private health insurance before you can use it for various treatments or services. If you upgrade your cover, you may also need to wait a period of time before being able to access any extra benefits you got from upgrading.

If you’re not sure if you’ve served your waiting period, it’s always best to check with your insurer before the treatment or service to make sure you’re covered.

The following standard waiting periods apply for hospital cover:

  • Palliative care, psychiatric and rehabilitation services – two months
  • Pre-existing conditions, ailments or illnesses – 12 months
  • Pregnancy (including childbirth) – 12 months
  • All other treatments included in your cover – two months
  • Treatment resulting from an Accident sustained after joining– no waiting period

If you need psychiatric services, in certain circumstances, you might be able to upgrade your cover without a waiting period, once in your whole lifetime.

Why are there waiting periods?

Waiting periods are in place to protect both customers and health insurers. By having a ‘waiting period’, people are not able to make a large claim shortly after joining, and then drop insurance straight after.

It makes it fairer because the price of each type of cover changes based on the claims for all customers in a state on a particular type of cover.

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.

 OSHCstudents (Source: Bupa)

News related

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

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

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