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07 | 09 | 22
09 | 22

Will I have to wait again if I change my health insurance?

OSHCstudents – When you start your health cover, you might be required to wait sometime before you can access all the benefits. This time is called the waiting period. But if you change your health insurance, will you have to wait again? Let’s find out!

If you’re swapping to an equal level of cover, by law, you won’t have to wait again. This is important because it protects your choices. You need to be able to weigh up your choices, without being penalized.

It’s called ‘continuity of cover’, and it means:

  • If you switch to an equal level of cover at another insurer, you maintain your cover, without serving waiting periods again. Some health insurers will allow a small period of time between the end of your old policy, and the start of your new one, but this varies. It’s worth checking this with your new insurer.
  • If there are any higher benefits, or new services included in your new cover, you will generally serve waiting periods for those things only. Any limits you’ve used at your old insurer also count to your new limits.
  • You can still access your previous level of cover while waiting for higher cover to kick in.

OSHCstudents (source: Bupa)

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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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