Australia Overseas Student Health Insurance (OSHC) reimbursement process

The reimbursement process for Australia's Overseas Student Health Insurance (OSHC) is as follows:

1. Medical institutions that settle directly: The most convenient way to settle medical insurance claims is to choose a medical institution that can settle directly. The bills generated by medical treatment will be automatically sent to the insurance company, and the insurance company will pay the medical institution directly.Submit a claim application: All six OSHC insurance companies provide online claim application services.

2. Non-direct settlement medical institutions: You first pay the medical institution in full, and then apply for a claim with an invoice. The bill contains the following information: your name and date of birth, your OSHC insurance number, date of visit, name of the doctor or medical institution, medical services provided, and detailed cost information.

You can log in to your account on the insurance company's website and submit a claim application.
Taking Allianz as an example, you can submit a claim application in the following ways:

The first method: submit a claim application online

  All six OSHC insurance companies provide online claim application services.
You can log in to your account on the insurance company's website and submit a claim application.
  Step1. Download the app and log in
  Step2. Register an account and prepare the policy number
  Step3. Select "Apply for Claim"
  Step4. Upload photos of invoices and receipts

Second method: Apply for claim by email

  Step1. Download the claim application form
  Step2. Print and fill out the form
  Step3. Scan the completed form and related documents, such as medical invoices (receipts)
  Step4. Send an email to the insurance company's email address, and fill in the policy number in the email title
  Alternatively, you can also mail the claim documents and receipts to the insurance company's address

Review your claim application: The insurance company will review your claim application and verify the materials you submitted. If your claim application meets the claim conditions, the insurance company will pay you the compensation.

Here are some things to note when reimbursing OSHC:

1. Keep all materials related to medical treatment and claims, including receipts, bills, claim application forms, etc.

2. If you have any questions about the claims process, please contact your insurance company.

Here are the six OSHC insurers Claims Process link:

Allianz Care Australia: https://www.allianzcare.com.au/zh/student-visa-oshc/how-make-claim-oshc.html

Bupa: https://www.bupa.com.au/health-insurance/oshc/make-a-claim

CBHS: https://www.cbhsinternationalhealth.com.au/existing-members/how-to-claim

Medibank: https://www.medibank.com.au/travel-insurance/claim/

Ahm: https://www.ahmoshc.com.au/how-to-make-an-online-claim/

Nib: https://www.nib.com.au/health-information/extras/how-to-make-a-claim

It is recommended that you read the policy terms carefully before purchasing OSHC insurance to understand the insurance coverage and claim conditions.

If you encounter any problems during the OSHC reimbursement process, you can always contact your insurance company.

How to quickly compare different OSHCs and choose the most suitable insurance for yourself?

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