There may be a number of circumstances where you are without cover
If you are in Australia without a valid visa, you will be in breach of the Department of Home Affairs visa conditions. If you cannot get a new visa, you are expected to leave the country. Further details can be found at the Department of Home Affairs website.
Once you are in Australia, you can switch to another health insurance provider. You need to make sure that you maintain OSHC at all times between the switch and that there are no time gaps. Switching to another provider is easy!
- You need to arrange a policy with your new provider.
- Obtain proof from the original OSHC provider that you are a member with them and over what period of time. We will recognise the waiting periods you have already served with the other provider. If you upgrade your level of cover, waiting periods will apply to benefits not previously included under your previous cover.
- Once this is done, you can organise a refund from your original health insurance provider. To do this you need to be able to provide proof of your new policy to your original OSHC provider. You will also need to be able to demonstrate that your new policy commences before cancelling your previous cover to ensure your new policy overlaps with the insured period provided by your previous policy.