Allianz Global Assistance Oversea Student Health Cover provides the following covers;
100% of the Medicare Benefits Schedule (MBS) fee for medical services provided in hospital
Public hospital shared ward accommodation for overnight or same-day hospital stays
Private hospital accommodation (for hospitals that have a contracted rate with Australian Health Services Alliance)
Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List
You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment
100% of the MBS fee for medical services provided by a General Practitioner (GP)
85% of the MBS fee for medical services provided by a specialist (e.g. visiting a radiologist to get an x-ray)
85% of the MBS fee or other medical tests (e.g. blood tests)
Up to $50 per approved prescription medicine over $38.80
Up to $300 each year for singles
Up to $600 each year for families or couples
Disclaimer For more details read the relevant policy document below. You can only claim prescription medicines included in the Pharmaceutical Benefits Scheme (PBS) list and for items that cost more than the PBS co-payment fee. To see the full list of PBS medicines and the current co-payment fee, visit the Department of Health website.
Things you should know
- Pre-existing medical conditions within the relevant waiting period
- Assisted reproductive medical service (including IVF)
- Cosmetic surgery procedures
- Medications, drugs or other treatments not prescribed by a doctor
- Prescription medication not included in the Pharmaceutical Benefits Schedule (PBS)
- Physiotherapy, osteopathy, chiropractic, naturopathy and any other ancillary services (may be covered under an Extras policy)
- Dental treatment (may be covered under an Extras policy)
- Optical (may be covered under an Extras policy)
For more information about what’s not covered read the policy document below.
The Medicare Benefits Schedule (MBS) is a list of medical services (e.g. a standard consultation with a GP or having surgery in hospital) subsided by the Australian Government with a fee (known as a ‘Schedule fee’) payable for each item.
The Schedule fee is the amount the government considers appropriate for one of these services and determines the amount that Australians receive when they claim a medical service through Medicare.
Visit the Department of Health website for more information.A waiting period is the time you need to wait before a benefit is available. Some costs, such as medical expenses relating to a pre-existing condition, are not covered during your waiting period. You can claim for benefits available on your policy for expenses incurred after the waiting period has ended.
The waiting periods will differ depending on which OSHC policy you have purchased.
Standard cover
- 2 month waiting period for pre-existing psychiatric-related medical conditions
- 12 month waiting period for all pregnancy related conditions
- 12 month waiting period for all other pre-existing medical conditions
Essentials cover
- No waiting period for pregnancy-related or psychiatric medical services
- 12 month waiting period for all other pre-existing medical conditions
For more information read the policy document below.