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
The waiting period is calculated from:
- the date you or your dependant arrived in Australia; or
- the date your Student Visa was granted,
whichever is the later date.
For more information read the Policy Document below.