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What is OSHC & OVHC Waiting Periods?

OSHCstudents-You’re probably here because you noticed there’s something called OSHC/OVHC waiting period and like many others who are buying OSHC/OVHC policy for the first time, you aren’t sure what it means. Read on for everything you need to know more about OSHC & OVHC waiting periods.


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What are waiting periods?

A waiting period is the time you need to wait after purchasing your policy and before the cover is available for certain medical conditions. You cannot claim for medical treatment that is provided during the waiting period. This means that you will need to pay for all expenses for the treatment.

Certain medical conditions and treatments have different waiting periods. Carefully review your policy to ensure you are aware of the different waiting periods.

Waiting periods for students OSHC

  • The waiting periods for the psychiatric condition will differ depending on which OSHC insurer you have purchased. For the psychiatric condition, Allianz and Medibank OSHC apply no waiting period while Bupa, AHM, and nib OSHC apply 2 months waiting period.
  • 12-month waiting period for all pregnancy-related conditions
  • 12-month waiting period for all other pre-existing medical conditions

Waiting periods for workers and visitors OVHC

  • 2 months for pre-existing psychiatric-related medical conditions.
  • 12 months for pregnancy-related medical services.
  • 12 months for all other pre-existing medical conditions.

Please also note that the start date of your policy must be a minimum of two days from the date of purchase, which means that you cannot claim for any treatment provided within 2 days of the date you purchase your OVHC visitors policy.

Waiting periods do not apply to emergency treatment by an approved ambulance service.

Waiting periods will however be applied to any subsequent hospital or medical costs.

When do waiting periods start?

Your waiting period will start from either:

  • the date you or your dependant (as the case may be) arrived in Australia; or
  • the date your visa was granted; or
  • (for OVHC only) the date your policy commenced,

whichever is the later date.

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 (Sources: Allianzcare)

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

OSHCstudents Services


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