Search, Compare & Save money!

The extent of the OSHC coverage depends on the health insurance purchased. The fine print of the insurance policy document will help understand what the specific costs are covered under a policy. An OSHC policy generally covers: Medical Costs, Hospital Costs, Ambulance service costs, Limited Pharmaceutical costs.

At a minimum, OSHC policies must cover the following:

• the benefit amount listed in the Medicare Benefits Schedule (MBS) fee for out-of-hospital medical services (for example, a general practitioner)
• 100 per cent of the MBS fee for in-patient medical services (for example, surgery)
• public hospital shared ward accommodation
• private hospital shared ward accommodation (only for hospitals that have contractual arrangements with the overseas student’s health insurer)
• day surgery accommodation
• some prosthetic devices
• pharmaceutical benefits up to $50 per pharmaceutical item to a maximum of $300 a year for a single membership ($600 for a family membership). Overseas students may face significant out of pocket costs if they do not have appropriate coverage for treatment with pharmaceuticals, particularly oncology (cancer) treatment.
• ambulance services.

A bare minimum standard policy or an OSHC basic policy does not cover for Physiotherapy, Podiatry, Chiropractic treatments, Dental and Orthodontics treatments Optical treatment – including contact lenses and eye glass prescriptions One can purchase an OSHC extras policy if they need extra coverage for the above treatment purposes.

OSHC policies cannot cover the following expenses:

• arranged before coming to Australia
• needed while travelling to or from Australia
• transportation of an overseas student or dependent into or out of Australia for any reason
• covered by provisions for compensation and damages.
• Students must obtain OSHC cover for the duration of their proposed student visa. If you extend your visa, you must renew your OSHC policy.

All OSHC insurance providers pay towards the GP costs. OSHC covers 100% of the MBS fee for GP/doctor services. i.e., if you visit a doctor, who charges as per the MBS schedule, then your overseas student health insurance will cover 100% of the cost of the doctor visit. If the doctor you visit is charging more than set fee prescribed by the MBS, then the extra fee is called a gap fee. OSHC providers do not cover gap fee. The gap fee is then paid by the student.

You must have OSHC cover for the whole time you are here on a student visa or bridging visa, and you must prepay for OSHC cover for the length of your visa before you come to Australia. If you extend your visa, you must renew your OSHC policy.

If your family is coming overseas with you, your spouse (husband or wife) and children must also be covered by OSHC cover. If you decide that your chosen OSHC cover is too expensive or does not cover what you want, you can switch to a different insurance provider, as long as your cover with them matches the length of your visa.

As long as you hold a student visa, you would need an OSHC for the duration of your visa. This is according to the visa requirement that came into effect on 1 July 2010. In case the proposed duration of your visa gets extended, you will have to get your health cover renewed as well. And you will need to be covered for the whole duration of your stay in Australia as long as you hold a student visa. Same condition applies when you have spouse and or children as your dependents.

You can transfer to a different OSHC insurance company anytime. If you paid in advance for your OHSC cover, you can get a refund, but you may have to pay a ‘refund processing fee’. You must buy a new OSHC insurance policy before you can get a refund from your previous OSHC provider, because you must have insurance for the whole time you are in Australia on a student visa. You will not have to serve the waiting periods again after you change OSHC providers.

You can make your payment in the currency of your choice via debit/credit card, our online portal, direct bank transfer, or Fly Wire if you are overseas. Or you could ask the specific insurance provider for any other payment methods they might encourage if any.

You will have to contact your health insurance provider and check the procedure of making a claim with them. For your information, some providers provide online portal where you can upload your receipt there and they will process your claim.

In the policy certificate there will be start and end date of your cover. Make sure that you are covered at all times during your stay in Australia.

You will need to necessarily renew your OSHC in case it expires while you are still on your student visa. Any failure to do so will have serious consequences and if you are not covered while having accidents or need medical attention you can be in serious problem. You can contact us to assist you to renew your OSHC policy weather it is single, couple, dual family or family.

It is of utmost importance that you don’t forget to renew your OSHC, in case it expires before your student visa does. If it comes into notice that you’re still on a student visa, while your OSHC has lapsed, you will have to pay the premiums for the lapsed period, while not expecting any benefits for any claims you might have paid during this lapsed period.

You can contact us via the following options.

https://studynetspeaktous.as.me/schedule.php

𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗨𝘀:

📱+61 424 770 990 (WhatsApp)

☎️ +61 2 8964 8826

💻 Video conferencing (via zoom)

📧 Email at enquiry@studynet.com.au

If your child hasn’t turned 18 years of age yet, you can get them covered under your OSHC. But if you have a child above 18 years old who is dependent on you, they will need another health insurance.

From the date you arrive in Australia or the day you were granted your visa – starting from whichever of these days is most recent, you need to wait some time before you’re eligible to make a claim through your OVHC or OSHC policy. This time period between you spend before making your claim, is known a waiting period.