Overseas Student Health Cover (OSHC)
Overseas Student Health Cover
Overseas Student Health Cover (OSHC) is a health insurance coverage intended to help overseas students. It covers possible medical expenses and costs of hospital treatment during the course of their stay in Australia.
OSHC is the counterpart of Medicare. Australian residents receive public health system through Medicare while overseas students receive health care coverage from OSHC. The insurance coverage is almost the same as with Medicare such as access to private health institutions, day surgery, emergency ambulance service, and pharmaceutical benefits.
Here are detailed information of OSHC coverage which includes:
Out of hospital medical treatment
You will receive a full amount of reimbursement of your medical expenses sought from a general practitioner.
In-hospital medical Treatment
85% of your total expenses acquired for in-hospital medical treatment is covered by OSHC.
Public Hospital Confinement
Calculation of fees charged depends on the State and Territory health authorities.
Coverage for all insurable cost acquired in a registered and insurance affiliated hospital.
For doctor-prescribed medicine, you will get full insurance coverage.A maximum of 50 AUD for any doctor-prescribed medicine.
Insurance coverage for transportation costs incurred for emergency treatment.
Surgically Implanted Prostheses
Health insurance coverage of the cost incurred.
What medical treatments and procedures are not covered?
Hospitalization and medical treatment in Australia are quite expensive thus they made sure that everyone is covered with a health insurance; Medicare for citizens and permanent residents and OSHC for overseas students.
Due to the expensive nature of health care service in Australia, international students need to know what medical treatment and procedures are not covered by OSHC which includes the following:
- Optical Care
- Dental Care and Treatment
- Services offered by certain medical specialists such as physiotherapists, osteopaths, chiropractors, naturopaths, and other ancillary services.
- Unrequested prosthetic services
- Assisted Reproductive Program
- Fees incurred from your pregnancy-related treatment performed within the first 12 months from your arrival in Australia.
- Medical expenses incurred from illness with pre-existing conditions within the first 12 months upon your arrival in the country.
- Medicines not prescribed by doctors or not listed in the Pharmaceutical Benefits Scheme.
- In-hospital medical services not listed in Medicare Benefits.
- Payment Gap