Overseas Student Health Cover (OSHC) helps you to meet visa requirement.
OSHC helps you pay for hospital and medical services which you may need while living in Australia.
Quick Quote
You are paid for
- Doctor visits
- Specialist services
- Medical treatment at hospital
- Public hospital
- Private hospital
- Emergency ambulance
- Prescription medication
- Prostheses
OSHC providers pay for the following services but please remember it is important that you should contact us prior to any major treatments, especially staying in the hospital.
Doctors*: We pay 100% of the Medicare Benefits Schedule fee (MBS Fee) for General Practitioners’standard consultations (doctors may charge above the MBS Fee) and 85% of the MBS Fee for other out-of-hospital services.
Hospitals*: Including accommodation, operating theatre, day services, emergency and accident services, outpatient medical and post operative services.
Prescription Medicines*: You pay a set amount towards the cost (PBS amount) and we pay the rest, up to a maximum of $50 per item to a maximum of $300 for a single membership ($600 family). As an overseas student, you may face significant out of pocket costs if you need treatment with “high cost” pharmaceuticals, particularly oncology (cancer) treatment.
Pathology and X-rays*: We pay 85% of the MBS Fee for out-of-hospital services or 100% of the MBS Fee for in-hospital services.
Emergency ambulance transport*: We cover 100% of the cost of emergency transportation in an ambulance.
Emergency ambulance transport*: We cover 100% of the cost of emergency transportation in an ambulance.
Prosthetic devices: We cover the full cost of any No Gap prostheses and the minimum benefit for Gap permitted prostheses. Surgically implanted prostheses could include, for example, stents for coronary arteries, artificial hips/knees or titanium plates/screws for reconstructions & bone breaks.
Waiting periods may apply
Waiting periods apply for pre-existing conditions. That is, an ailment, illness or condition which either you or one of your dependants have, the signs or symptoms of which, in the opinion of a Medical Practitioner appointed by OSHC providers, existed at any time in the 6 month period before you or your dependant arrived in Australia. For pre-existing medical conditions and pregnancy related services including childbirth there is a waiting period of 12 months. That means you won’t be covered for these conditions until the waiting period is over. For a pre-existing condition of a psychiatric nature, there is a waiting period of 2 months.
You are not paid for
- Infertility treatments
- Services not covered by Medicare
- Treatment outside of Australia
- Compensation or damages
- Non-essential hospital items
WHAT YOU’RE NOT COVERED FOR
1. Services not covered by Medicare such as cosmetic surgery or laser eye treatment.
2. Treatment for pre-existing medical conditions.
3. Any pregnancy related services in the first 12 months.
4. Psychiatric services within the first 2 months.
5. Assisted reproductive services such as in-vitro fertilisation (IVF).
6. Services/treatment covered under compensation and damages provisions of any kind, for example, motor vehicle accidents covered by third party insurance.
7. Fees charged by your doctor above the Medicare Benefits Schedule (MBS).
8. Transportation of you or your dependants into or out of Australia in any circumstance.
9. Treatment received outside of Australia.
10. Treatment for any of your children who are over 18 years of age.
11. Treatment by dentists or other extras services such as glasses and physiotherapy unless this treatment is related to a hospital stay and is included in the hospital’s contract. You can be covered for this if you buy extras cover.
12. Items provided to you on discharge from a hospital including medication and crutches.
13. Personal expenses in hospital including telephone calls, television hire, internet and newspapers.
14. Services or treatment for which a claim has been submitted more than two years after the date of service or treatment.
15. Treatment organised before you or your dependants arrived in Australia.
16. Services or treatment rendered while your premiums are in arrears.
17. The cost of prescription medicines in excess of the benefit limits on we are paid for.
18. The gap for surgically implanted prostheses on the Australian Government’s Prostheses Schedule.
19. Any services or items in a Partner Private Hospital that are not covered by our agreement with the hospital.
20. The difference between the charges raised by a non Partners hospital and the benefit payable by OSHC providers.
21. Outpatient charges raised by private hospitals
22. Surgically implanted Prostheses and other medical devices not included in the Australian Government’s Prostheses Schedule
23. Treatment rendered by providers who are not recognised by OSHC providers for the purpose of paying benefits
What can OSHCstudents help you?
- OSHC protects yourself from the unexpected.
- OSHC gives you convenience and peace of mind while you’re studying in Australia.
- OSHCstudents connects you to the best OSHC.