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What you should know about pre-existing conditions

OSHCstudents – A medical illness or injury you have before starting a new health care plan may be considered a pre-existing condition. Conditions like diabetes, chronic obstructive pulmonary disease (COPD), cancer, and sleep apnea may be examples of pre-existing health conditions. They tend to be chronic or long-term.

What-you-should-know-about-pre-existing-conditions

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What is a pre-existing condition?

A pre-existing condition is typically when you have received treatment or diagnosis before you enrolled in a new health plan.

Chronic illnesses and medical conditions, including many forms of cancer, diabetes, lupus, epilepsy, and depression, may be considered pre-existing conditions. Pregnancy before enrollment is also considered pre-existing and chronic. Other less severe conditions such as acne, asthma, anxiety, and sleep apnea may also qualify.

Is there health insurance for pre-existing conditions?

Choosing a health plan is no longer based on the concept of a pre-existing condition. A health insurer cannot deny you coverage or raise rates for plans if you have a medical condition at the time of enrollment. However, health plans may better fit you than others if you have a chronic or pre-existing medical condition.

For example, if you need regular medical care, surgeries, or treatments, then a plan with a higher monthly premium and lower deductible may provide you with the coverage you need and help you manage more predictable costs.

Is pregnancy considered a pre-existing condition?

If you get pregnant before enrolling in a health plan, you cannot be denied coverage or charged more due to pregnancy. Coverage for pregnancy and delivery begins from the day you enroll in a plan. For Pregnancy benefits, you must buy a new policy or upgrade your current policy prior to 12 months to avoid huge hospital costs! Some service providers also give childcare benefits! For that, you need to check with the particular service provider!

When can you claim for a pre-existing condition?

There is a waiting period for pre-existing conditions. You cannot claim for costs arising during the waiting period if such costs arise from a pre-existing condition. Usually, pre-existing conditions require 12 months waiting period.

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

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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