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Note: There is a 14 Day Waiting Period for Visitor Visa insurance plan and compulsory excess of $500

Note: The Prices shown above comes with an excess of $500

  
Why Buy With Us
Visa Compliance
Meets goverment requirements These policies will fulfill your international student visa requirements.
In Hospital Treatment
Accommodation Hospital accommodation:

Public hospitals - you are covered for accommodation (in a shared ward only), theatre fees, same day services, etc. At a minimum, you are covered for 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.

Private hospitals - all OSHC providers have agreements with private hospitals. If you visit a hospital that your insurer has an agreement with, you will be covered for accommodation in a shared ward (or where available, a private ward), theatre fees, same day services, etc. At a minimum, you will be covered for 100% of the charges for all insurable costs raised by a contracted hospital. If you go to a private hospital that your insurer does not have an agreement with, you will have to pay the difference between the hospital charges and the default rate for the insurer (this could be very large). It is very important to check with your insurer before being admitted to a private hospital to ensure that your insurer has an agreement with that private hospita
Accident and Emergency Services If you are seriously hurt or sick, you can visit the accident and emergency department at either a Public or Private hospital for urgent treatment. The hospital will charge a fee for attendance in their accident and emergency department. Depending on whether you attend the accident and emergency department at a public hospital, a private hospital your OSHC insurer has an agreement with or a private hospital that your OSHC insurer does not have an agreement with will determine the benefit your insurer pays towards fees raised by the hospital.

Public hospitals – All OSHC insurers provide cover for accident and emergency department fees raised by a public hospital. This means you are covered for 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.

Agreement Private hospitals - OSHC providers have agreements with some private hospitals. If you visit a hospital that your insurer has an agreement with, you will generally be covered for 100% of the charges raised by the hospital for accident and emergency department fees.

Non-agreement Private hospitals – Depending on your OSHC insurer, if you go to a private hospital that your insurer does not have an agreement with, you may have to pay the accident and emergency department fee raised by the hospital in full (this could be very large). It is very important to check with your insurer before being admitted to a private hospital to ensure that your insurer has an agreement with that private hospital.
Outpatient and Postoperative Where you are treated in a hospital as an out patient (not admitted) or where you are treated post operatively:

Public hospitals - you are covered for accident and emergency services. At a minimum, you are covered for 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.

Private hospitals - all OSHC providers have agreements with private hospitals. If you visit a hospital that your insurer has an agreement with, you will be covered for outpatient and postoperative services. At a minimum, you will be covered for 100% of the charges for all insurable costs raised by a contracted hospital. If you go to a private hospital that your insurer does not have an agreement with, you will have to pay the difference between the hospital charges and the default rate for the insurer (this could be very large). It is very important to check with your insurer before being admitted to a private hospital to ensure that your insurer has an agreement with that private hospital.
Doctor Services For Treatment by doctors (including specialists) in a hospital, you will receive 100% of the benefit listed in the MBS.
Out of Hospital Treatment
Standard GP Consultation For consultations with a general practitioner (GP) where you are not in a hospital you will receive 100% of the benefit listed in the MBS.
Telehealth For consultation over the phone where you are not in a hospital you will receive a percentage of the benefits listed in the MBS. These percentages are listed to the right.
Specialists For consultations with a specialist where you are not in a hospital you will receive a percentage of the benefits listed in the MBS. These percentages are listed to the right.
Pathology and X-rays Where you receive pathology or X-Ray services and you have not been admitted to a hospital you will receive a percentage of the benefits listed in the MBS. These percentages are listed to the right.
Support Services
Mobile App This feature helps you manage your OSHC policy. You can launch a claim, find a direct billing doctor or a partner hospital and make changes to the policy through the app.
Online membership account This online service helps you manage your policy. You can launch a claim, apply for refunds and make changes to the policy through the app through the portal.
Home doctor services This service can be used by students when they need a GP outside of normal business hours. Students can request a direct billing doctor to come and visit them by calling.
24*7 Support 24* 7 support with Interpretor services in a wide variety of languages
Virtual doctor services With this service, you can see a Doctor without leaving home. Students can consult Doctors over the phone and video calls, and also avail medical prescriptions and specialist referrals.
Multilingual Customer Service Emergency service is where you need immediate treatment and there is no other reasonable way to get to a hospital.
Other
Emergency Ambulance Services Emergency service is where you need immediate treatment and there is no other reasonable way to get to a hospital.
Surgically Implanted Prosthesis For surgically implanted prosthetics, you will receive 100% of the benefit listed in the Federal Government Prosthesis Schedule
MRI Your OSHC will pay equivalent to the MBS benefit towards MRI scans where the following three (3) criteria are met: - A registered specialist medical practitioner refers you to undergo an MRI

- The MRI is billed with an eligible Medicare Benefits Schedule (MBS) item number and

- The MRI is performed on a Medicare Eligible MRI Unit by a Medicare Eligible Provider subject to waiting periods.
Prescription Medicines For Prescription Medicines prescribed by your doctor. Excludes: medications, drugs or other treatments not prescribed by a doctor or not listed on the Pharmaceutical Benefits Scheme (PBS). Pharmacy expenses coverage always comes with a co-payment. This is the fixed amount that students pay for a covered medicine.
Waiting Periods
Pre-existing Psychiatric If you have a pre-existing psychiatric condition that needs treatment, you cannot claim any services for a defined waiting period. Waiting periods for each insurer are listed to the right. Please note, for all students who are entitled to purchase Allianz Essentials cover through a preferred provider arrangement, there is no waiting period for these services.
Pre-existing Conditions If you have a pre-existing condition (that is, a condition where symptoms existed any time in the 6 months before arriving in Australia), you cannot claim any services for a defined waiting period. Waiting periods for each insurer are listed to the right.
Obstetrics For all obstetrics and pregnancy-related services, you cannot claim any services for a defined waiting period. Waiting periods for each insurer are listed to the right.
Pregnancy and birth related
Refund policy You are usually entitled to a full refund if your visa application is rejected. If you are not entitled to a full refund (for example, you finish your studies early), some providers charge either a minimum cover period or a refund processing fee.
Policy Document
$69.00

Why buy with us

Visa compliance

Meets goverment requirements

N

In hospital treatment

Accommodation

N

Accident and emergency services


Public and Agreement only

Outpatient and postoperative

N

Doctor services


100% of MBS

Out of hospital treatment

Standard gp consultation


100% of MBS

Telehealth


85% of MBS

Specialists


85% of MBS

Pathology and x rays


85% of MBS

Support services

Mobile app


Home doctor services

N

247 support


1800 814 781

Virtual doctor services

N

Multilingual oshc customer service team

N

Other

Emergency ambulance services

N

Surgically implanted prosthesis

N

Mri

N

Prescription medicines


Maximum benefit of $50 per prescribed item
For single cover - $300 pa
Family cover - $600 pa
Co-payment - $42.50 for each prescription item

Waiting periods

Pre existing psychiatric


2 months

Pre existing conditions


12 months

Obstetrics


12 months

Refund policy


Can be applied through Allianz online membership account and app.


$71.00

Why buy with us

Visa compliance

Meets goverment requirements

N

In hospital treatment

Accommodation

N

Accident and emergency services


All hospitals

Outpatient and postoperative

N

Doctor services


100% of MBS

Out of hospital treatment

Standard gp consultation


100% of MBS

Telehealth


85% of MBS

Specialists


85% of MBS

Pathology and x rays


85% of MBS

Support services

Mobile app


Home doctor services

N

247 support


1800 887 283

Virtual doctor services

N

Multilingual oshc customer service team


Other

Emergency ambulance services

N

Surgically implanted prosthesis

N

Mri

N

Prescription medicines


Maximum benefit of $70 per prescribed item Co-Payment of $30 for each prescription item
Annual limits of:
- Single Policy: $300 pa
- Non-Single Policy: $600 pa (max $300 per person)

Waiting periods

Pre existing psychiatric


0 months

Pre existing conditions


12 months

Obstetrics


12 months

Refund policy


Limited refund admin fee may apply. Refunds should be requested by phone.


$99.88

Why buy with us

Visa compliance

Meets goverment requirements

N

In hospital treatment

Accommodation

N

Accident and emergency services


Public and Agreement only

Outpatient and postoperative

N

Doctor services


100% of MBS

Out of hospital treatment

Standard gp consultation


100% of MBS

Telehealth


100% of MBS

Specialists


100% of MBS

Pathology and x rays


100% of MBS

Support services

Mobile app


Home doctor services

N

247 support


+61 3 9937 3999

Virtual doctor services

N

Multilingual oshc customer service team

N

Other

Emergency ambulance services

N

Surgically implanted prosthesis

N

Mri

N

Prescription medicines


Maximum benefit of $50 per prescribed item
For single cover - $300 pa
Family cover - $600 pa
Co-payment - $40.30 for each prescription item

Waiting periods

Pre existing psychiatric


2 months(waived)

Pre existing conditions


12 months

Obstetrics


12 months

Refund policy


Can be applied through Bupa online membership account and for free.


$78.00

Why buy with us

Visa compliance

Meets goverment requirements

N

In hospital treatment

Accommodation

N

Accident and emergency services


Public and Agreement

Outpatient and postoperative

N

Doctor services


100% of MBS

Out of hospital treatment

Standard gp consultation


100% of MBS

Telehealth


100% of MBS

Specialists


85% of MBS

Pathology and x rays


85% of MBS

Support services

Mobile app


Home doctor services

N

247 support


1800 022 222

Virtual doctor services

N

Multilingual oshc customer service team

N

Other

Emergency ambulance services

N

Surgically implanted prosthesis

N

Mri

N

Prescription medicines


Maximum benefit of $50 per prescribed item
For single cover - $300 pa
Family cover - $600 pa
Co-payment - $40.30 for each prescription item

Waiting periods

Pre existing psychiatric


2 months

Pre existing conditions


12 months

Obstetrics


12 months

Refund policy


Can be applied through NIB online membership account and app for free.


* All percentages above are percentages of the relevant value in the Medicare Benefits Schedule fee, except for the Prosthesis, which is the percentage of the cost stated in the Federal Government Prosthesis Schedule and Accommodation, which is the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian Resident.