Overseas Student Health Cover OSHC
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About Student Visa
Student Visa Allows to undertake a CRICOS registered full-time course in a recognised institution and also bring eligible family members. The applicants can generally stay in Australia on student visa for up to 5 years..
Health Insurance Is Compulsory
The home affairs guidelines require students and their families to possess and maintain proper health insurance for the entire period of stay in Australia. We give you a comprehensive list of insurance products so that you can see what you need, compare and make your best choice.
Frequently Asked Questions (FAQ)
What does an OSHC cover?
The extent of the OSHC coverage depends on the health insurance purchased. The fine print of the insurance policy document will help understand what are the specific costs covered under a policy.
An OSHC policy generally covers
- Medical Costs
- Hospital Costs
- Ambulance service costs
- Limited Pharmaceutical costs
What does an OSHC policy does not cover?
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.
What is a waiting period? How are they calculated?
A waiting period is the amount of time you have to wait before you can start to claim on your health insurance. You cannot claim for costs arising during the waiting period if such costs arise from a pre-existing condition.
The waiting period is calculated as 12 months commencing from:
- The date Student or Student dependant (as the case may be) arrived in Australia.
Are waiting period served with one OSHC provider carried forward when I switch to another OSHC provider?
Yes. As per the OSHC deed, Insurance providers should acknowledge the waiting period served with a previous Insurance provider when transferring to a new provider as long as the provider states the student transfers to a policy of the same level or lower.
What are the common waiting period conditions?
- Pre-existing conditions, ailments or illnesses of a psychiatric nature – 2 months
- Pregnancy related conditions – 12 months
- All other pre-existing conditions, ailments or illnesses for hospital and outpatient medical services – 12 months
What will my OSHC Provider pay for my GP visits?
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.
What is direct billing?
Direct Billing means that if you hold a current OSHC policy and go to one of the Insurance providers?Network Doctor (who may sit in a Clinic, medical centre or a hospital), the bill will be sent directly to Insurance Provider and students will not have to pay out of pocket or submit a claim.