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.

Medical services performed by a medical specialist such as general health care check and radiology, 85% of the total cost will be covered by your insurance.
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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.

Private Hospital

Coverage for all insurable cost acquired in a registered and insurance affiliated hospital.

Prescription Medicine

For doctor-prescribed medicine, you will get full insurance coverage.A maximum of 50 AUD for any doctor-prescribed medicine.

A maximum amount of 300 AUD for a single membership per year. A maximum amount of 600 AUD for family membership wherein each person gets a maximum of 300 AUD insurance coverage in prescription medicine.
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Ambulance Service

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