澳洲海外学生医疗保险（OSHC）的报销流程

澳洲海外学生医疗保险（OSHC）的报销流程如下：

1.直接结算的医疗机构：医保理赔最方便的就是选择可以直接结算的医疗机构。医疗产生的账单会自动发送给保险公司，保险公司会直接向医疗机构付款。

2.非直接结算的医疗机构：您先向医疗机构全额付款，然后用发票申请理赔，账单上包含以下信息：您的姓名和出生日期、您的 OSHC 保险号、就诊日期、医生或医疗机构名称、提供的医疗服务、费用明细；

提交理赔申请: 六家OSHC保险公司都提供在线理赔申请服务。

您可以在保险公司的网站上登录您的账户，然后提交理赔申请。

以安联为例，您可以通过以下方式提交理赔申请：

第一种：在线提交理赔申请

六家OSHC 保险公司都提供在线理赔申请服务。您可以在保险公司的网站上登录您的账户，然后提交理赔申请。

Step1.下载应用并登录
Step2.注册账号，准备好保单号
Step3.选择“申请理赔”
Step4.上传发票和收据照片

第二种：邮件申请理赔

Step1. 下载理赔申请表
Step2.打印并填写表格
Step3.扫描填写好的表格和相关文件，如医疗发票（收据）
Step4.发邮件至保险公司邮箱，邮件标题中填写保单号

另外，也可以将理赔文件和收据邮寄到保险公司地

审核理赔申请: 保险公司会审核您的理赔申请，并核实您提交的材料。如果您的理赔申请符合理赔条件，保险公司会将赔款支付给您。

以下是报销OSHC的注意事项：

(1).保留所有与就医和理赔相关的材料，包括收据、账单、理赔申请表等。

(2).如果您对理赔流程有任何疑问，请联系您的保险公司。

以下是六家 OSHC 保险公司的理赔流程链接：

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

建议您在购买 OSHC 保险之前仔细阅读保险条款，了解保险的保障范围和理赔条件。

如果您在报销 OSHC 过程中遇到任何问题，可以随时联系您的保险公司。

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