Overseas Student Health Cover (OSHC) for international students in Australia.
The Overseas Student health coverage Policy commonly known as OSHC policy under 500 subclass includes Australia-wide medical assistance and lets you access medical and health cover if something happens during your studies. In fact OSHC is a mandatory requirement as part of your visa application process unless you are exempt. Visas are issued by the Australian Government Department of Home Affairs. If you are 500 Student visa holder, it is a condition of your visa that you maintain health insurance throughout the entire duration of your studies in Australia. You must not arrive in Australia before your health insurance starts.
What’s Covered under OSHC?
It includes cover for visits to the doctor, some hospital treatment, ambulance cover and limited pharmaceuticals (medicines). OSHC insurers can provide a range of different OSHC products. These may range from a basic product which covers only the compulsory minimum services to comprehensive products which cover, in addition to the compulsory minimum services, extra services as specified under the particular policy. Learn more(opens in a new window) about OSHC, including a list of the providers at www.privatehealth.gov.au/.
Here are some list of service category covered under OSHC.
The amount set by State and Territory health authorities (referred to as the ‘gazetted rate’) for services charged to patients who are not Australian residents. If the hospital charges higher than the gazetted rate you may experience significant out of pocket expenses Includes
- shared ward accommodation, theatre fees and same day services
- accident and emergency services
- post-operative services and related medical treatments which don’t require a hospital stay
If you choose to be treated in a private hospital please refer to OSHC partners’ agreement with your private institution Some Includes:
- private or shared room accommodation
- theatre fees and same day services
100% of medically necessary transport provided by a State and Territory Ambulance Service.
Up to $50 per prescription item listed on the Pharmaceutical Benefits Scheme (PBS), after you pay the PBS Patient contribution. You can claim up to $300 per person per calendar year, capped at $600 for families.
Doctors and specialists (out of hospital)
When you visit a doctor or a specialist you will most likely need to pay upfront, either before or right after you get the treatment. It includes.
- 100% of the MBS fee for medical services provided by a General Practitioner (GP)
- 85% of the MBS fee for medical services provided by a specialist (e.g. visiting a radiologist to get an x-ray)
- 85% of the MBS fee or other medical tests (e.g. blood tests)
Our OSHC partners.
We are one of Australia’s largest health insurers have agreements with most of Australia’s private hospitals to help save money. Nib provided overseas student health cover that meets the visa requirement of international students. You can claim your insurance in a simple steps by uploading the photo of your receipt on your phone or online
Medibank – an integrated healthcare company providing private health insurance and health Solutions to 3.7 million Australians. Medibank’s Overseas Student Health Cover (OSHC) can meet your visa health insurance requirements and help with medical treatment if you have an accident or get sick.