OSHC Online Member Services (Facility) is a facility established and maintained by Medibank Private Limited ACN 080 890 259 (MPL), its wholly owned subsidiary Australian Health Management Group Pty Ltd ACN 003 683 298 and MPL's other related bodies corporate (together Medibank/we/us/our) which can be accessed at either medibankoshc.com.au or through the Medibank Overseas Student Health Cover App (Medibank OSHC App) for access and use by MPL's Overseas Student Health Cover (OSHC) members whose premiums paid are up to date (you/your).
To be eligible to register to access, and to access, the Facility you must be:
Medibank has the sole right to determine your eligibility for access, the extent of your access and the level of services available via the Facility. The range of services that Medibank makes available to you through the Facility may differ depending on whether you access the Facility via medibankoshc.com.au or through the Medibank OSHC App. For example, the "Find a Store" functionality is only available through the Medibank OSHC App.
The content and features of the Facility, including its content and services and any part of any of them may, at any time, be changed or terminated by Medibank.
Your security credentials enable you and Medibank to prevent unauthorised access to your personal details. You are entirely responsible for its use and you must keep it confidential at all times. You may not permit anyone else to use your security credentials. We may from time to time for security reasons require you to re-authenticate yourself, or issue directions regarding your use of your security credentials.
We are entitled to assume (and we will assume) that you are the user whenever your security credentials are used to access the Facility. Please notify us immediately if you become aware of any unauthorised access to or use of your security credentials.
To protect the integrity of your security credentials, we require you to log out of your secure session before you browse away from the Facility, leave your computer unattended or leave the Medibank OSHC App.
You must not use or attempt to use the Facility to:
Medibank makes the Facility available to you on the basis that you will act appropriately and responsibly. If you do not, you must bear full responsibility for your actions.
If you download and use the Medibank OSHC App, you agree to:
You acknowledge that we can suspend or terminate your use of the Facility at medibankoshc.com.au and/or through the Medibank OSHC App if we reasonably believe that your use of the Facility is interfering with any services provided by us to any members or you permit anyone else to use your security credentials.
You acknowledge that all intellectual property rights (including copyright) in the content, layout, design, concept, graphics, software and organisation of the Medibank OSHC App and the Facility accessed at medibankoshc.com.au or through the Medibank OSHC App (Medibank Materials) are owned by or licensed to Medibank.
Medibank grants you a non-exclusive, non-transferable, revocable licence to:
You are allowed to:
You may not otherwise copy or change the Medibank Materials, and must not adapt, communicate, sell, or otherwise deal with the Medibank Materials. You must not:
If you submit any information to Medibank through the Facility, Medibank will own all rights in the content that you submit. Completing any online documents accessible through the Facility does not transfer any intellectual property rights in those online documents to you.
"Medibank" and all related graphics, photographs, logos, and product and service names are trademarks (both registered and unregistered) of Medibank or its affiliates. These trademarks, logos and other proprietary graphics may not be used in connection with any other product or service without Medibank's express prior written consent. You must not tamper with or commercially use any trade mark, logo or names (including business names and domain names), appearing on the medibank.com.au website, the medibankoshc.com.au website, the Medibank OSHC App or in materials accessed via the medibank.com.au website, the medibankoshc.com.au website or the Medibank OSHC App.
You acknowledge and agree that:
The Facility is provided to you on an "as is" and "as available" basis and may, from time to time, contain errors, faults and inaccuracies. Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), we and all third parties who have provided material for inclusion on the Facility (Content Providers), make no representation and provide no express or implied warranty or guarantee about the security of the Facility accessed via the medibankoshc.com.au website or through the Medibank OSHC App, the safety of any file or software associated with it (such as safety from any virus or defects including those that could damage or interfere with any data, software or hardware with which it might be used) or that access to the Facility via the medibankoshc.com.au website or through the Medibank OSHC App will be uninterrupted.
The content of the Facility is general and provided for information purposes only. Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), we and all Content Providers do not give any express or implied warranties and make no representations in relation to the Facility. In particular, while reasonable care is taken in its preparation, Medibank and its Content Providers do not guarantee or warrant the accuracy, quality, completeness, reliability or currency of the Facility (including any errors in or omissions from the content of the Facility), or of any Medibank or third party websites, materials, information, products or services promoted or accessed via the Facility, or their usefulness in achieving any purpose. Information on the Facility should not be used without validating that information from appropriate sources and obtaining professional (including medical) advice where it is prudent to do so. You should make and rely on your own assessment and enquiries to verify the accuracy of the information provided.
Medibank does not provide telecommunications services and does not warrant that you will have continuous access to the Facility via the medibankoshc.com.au website or through the Medibank OSHC App or that it will be supplied fault free. Medibank will not be liable in the event that the Facility is unavailable to you due to computer downtime attributable to malfunctions, upgrades, preventative or remedial maintenance activities or interruption in telecommunications supply. Medibank reserves the right to suspend or terminate the availability of the Facility via the medibankoshc.com.au website and/or through the Medibank OSHC App at any time.
You agree to access and use the Facility via the medibankoshc.com.au website and/or through the Medibank OSHC App, including its content and services, entirely at your own risk.
Medibank makes no claims that the Facility (including the Medibank OSHC App) are appropriate, legal or may be downloaded outside Australia. Access to the Facility (including the Medibank OSHC App) and other content and services may not be legal by certain persons or in certain countries. If you access the Facility (including through the Medibank OSHC App) from outside Australia, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), Medibank and its officers, employees, agents and Content Providers accept no liability for any loss, damage, illness or injury (including any loss of profits or income, business interruption or loss or corruption of data or other information):
1. arising from:
2. for any personal injury, including death, caused by access to, use or misuse of the Facility including its content and services.
Handling of personal information generally
You may lodge claims through the Facility for you and anyone else covered by your OSHC membership for most doctor, pathology and specialist services that have already been paid Benefits are not payable by MPL until applicable waiting periods have been served.
MPL will pay eligible claims into the Australian bank account on file. You accept that it is your responsibility to ensure your bank details are up to date at all times, and to inform us as soon as practical of any changes.
A benefit limit of $1,000 per day applies to claims submitted through the Facility for services that have been pre-approved. Such claims will be assessed and paid automatically. Claims for which benefits exceed the daily benefit limit, and claims for items that have not been pre-approved, will be submitted for manual assessment by the Medibank OSHC claims team. A duplicate claim on the same day of service for the same item number will be rejected and you will be prompted to call MPL to discuss the claim.
All claims must be accompanied by a copy of the relevant service account(s) and receipt(s) for payment, provided by the doctor or other provider that performed the service(s) being claimed for. All receipts/service accounts must be in a format that enables MPL to validate the claims information submitted. Benefits are not payable by MPL in relation to any service until you have paid the provider of the service in full for the service. MPL reserves the right to commence recovery action of (a) any amounts paid where we are unable to validate the claims information submitted or (b) any overpayment of any claim for whatever reason, and the amount paid or overpayment may also be deducted from any future claim.
You are liable for all transactions carried out by you or by anyone carrying out a transaction with your authority or express or implied consent, regardless of when the transaction is processed to your account. You should check your statements and records carefully. If you believe a transaction is wrong or unauthorised you should contact us immediately.
Benefits are not payable by MPL in relation to any service that was rendered more than 2 years prior to the date you lodge your claim with MPL.
Each time you lodge a claim via the Facility, you are declaring and agreeing that:
* Benefits are not payable where the relevant member has, or may have, an entitlement to receive compensation or damages. In such circumstances, MPL expects that the relevant member will pursue that entitlement. MPL may make provisional benefit payments on application, subject to MPL's Fund Rules and policies, but the relevant member must agree to repay such payments, in full, from their final settlement. If a claim for which benefits have been paid appears at a later point in time to be one in respect of which an entitlement to compensation or damages exists, MPL reserves the right to recover the amount of benefits paid.
^ MPL's terms and conditions of membership are contained in MPL's Fund Rules and OSHC Membership Guide. You can view a copy of the OSHC Membership Guide online at medibankoshc.com.au – Other Information and the Fund Rules online at medibank.com.au. Rules and benefit levels may change from time to time. If you anticipate treatment or a procedure for which you are expecting a benefit from MPL, please contact us before commencing treatment to establish whether the benefit you expect will be paid.
9.1 "Find a Provider" function
Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), the inclusion of any providers in the "Find a Provider" function or the results of any search in the "Find a Provider" function are not to be construed as:
Medibank neither takes nor assumes any responsibility for the product or service provided by the provider. You should rely on your own inquiries and seek any assurance or warranties directly from the provider of the service or product, or with the registration bodies (eg, the AHPRA) regarding any conditions or restrictions to the provider's registration.
The "Find a Provider" function only includes Members' Choice general practitioners, hospitals and medical deputising services (after hours doctor home visits) and pathology (Members' Choice Providers). Members' Choice Providers have entered into an agreement with Medibank in relation to the fees the provider can charge, and/or the discounts it can offer, OSHC members for agreed services and to send bills directly to Medibank. The "Find a Provider" function does not, and does not purport to, include all relevant providers of the services covered by the "Find a Provider" function. The providers included in the "Find a Provider" function may change from time to time. Information presented in the "Find a Provider" function is refreshed monthly, with updates reflecting changes to provider details or circumstances.
Depending on the provider you see (including a Members' Choice Provider) you may have out-of-pocket expenses that are not covered by MPL. You should ensure you confirm any out-of-pocket expenses you may have prior to your consultation by contacting the provider. You should also check with us whether the particular service is covered by our agreement with the provider and included in your OSHC cover.
Medibank relies on information provided to it by providers to provide the "Find a Provider" function to you. Some of the information provided by providers to Medibank may be incorrect, incomplete or out-of-date.
Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), Medibank:
9.2 "View transactions" function
The Facility allows you to view any payments you have made online to extend your OSHC membership and to access the history of hospital and medical claims you have submitted to MPL via the Facility for yourself.. You cannot view the history of hospital and medical claims for any other persons covered by your OSHC membership or any claims you have submitted to MPL through other channels.
Claims information displayed through the Facility may not be accurate, complete or up to date.
Medibank may, from time to time, facilitate access to other web-based services delivered by third parties. Where access to these services is via the Facility's web pages or the Medibank OSHC App (either on each occasion that you link to those third party sites or upon the first occasion that you link to a third party site and register for using it), then any information which you have provided to Medibank for your own registration to use the Facility may be transmitted by Medibank to the operator of that third party web site along with other data that Medibank holds or has established in relation to you that is necessary to authenticate your status as a current registered user of the Facility.
This is regardless of whether you have registered for the Facility only in order to be able to access that third party site or whether you have previously registered for the Facility and subsequently decide to access a third party web site.
This transmission of data is to facilitate your registration for using the third party site and authenticate you as a member of Medibank. By linking to a third party's web site through the Facility, you consent to the transmission of this information. You also acknowledge that Medibank is not responsible for any of the services, content, facilities or advice contained in a third party web site.
Medibank recommends that before you visit any website you check that your computer is running up-to-date virus checking software.
Some of the functionalities of the "Find a Provider" and "Find a Store" services available on the Facility will only be available if you agree to provide Medibank with information about your location. When you first use these functionalities, you will be asked to agree to provide Medibank with information about your location. You can withdraw or provide your agreement after this time by altering your mobile smartphone settings.
Registration with the Facility enables you to provide information, including your personal information (Member Content). You represent and warrant that:
You agree to defend, indemnify and hold harmless Medibank and its officers, directors, employees and agents from and against all claims, demands, actions, suits, loss, damages, liabilities and costs (including solicitors' costs on a solicitor and own client basis) related to or arising directly or indirectly from any and all of the following:
If you would rather not have this information stored on your computer, you can configure your browser so it does not accept cookies. However, if you disable cookies you will not be able to access the Facility.
Upon termination of your registration:
You acknowledge and agree that by using the Medibank OSHC App, while you can download the Medibank OSHC App in the Apple App Store or Google Play Store Market free of charge, you may incur charges from your wireless or mobile carrier in accordance with your agreements with them, and that any such charges will be your sole responsibility.
17.2 Minimum Terms Required by Apple
If you have obtained the Medibank OSHC App via Apple's App Store, this clause 17.2 applies. You acknowledge and agree that:
You represent and warrant that: