There is a waiting period for pre-existing conditions.
You cannot claim for costs arising during the applicable waiting period if such costs arise from a pre-existing condition or a pregnancy-related condition.
The waiting period is calculated as 12 months (or, for psychiatric, rehabilitative or palliative care, 2 months) commencing from:
- The date you or your dependant (as the case may be) arrived in Australia; or
- The date your eligible visa was granted,
whichever is the later date.
If you are switching to Allianz Global Assistance from a similar policy held with another insurer, and there has not been a gap in your coverage of more than 30 days, we will count the time you were covered under your previous policy towards any waiting period which applies to your coverage with us – see the section ‘Other Important Matters’ on page 12 of the OVHC policy document.
If you have previously held OVHC or OSHC with us and:
- You voluntarily terminated your policy and 30 days have since elapsed during which you did not hold health insurance; or
- Your policy was lawfully cancelled by us,
new waiting periods will commence upon commencement of any new policy you take out with us after that time.