Overseas Student Health Cover in Australia (OSHC)
- MEANING
Overseas student health cover (OSHC) is insurance that provides covers the costs of medical and hospital care which student visa holder are required to hold while studying in Australia.
- HOW OSHC IS PART OF VISA
OSHC thus more than just meet Australia government visa requirements. It helps a student to pay for medical and hospital care and protects his/her health Australia-wide.
- HOW TO BUY OSHC FOR AUSTRALIA
- Through your educational institution.
- Purchase it online through the OSHC providers.
- COST OF OSHC FEES
- The cost of OSHC varies which is based on the kind of the coverage required. Approximately it is (INR 80,000 to 1, 00,000).
- NOW THE QUESTION ARISES- IS OSHC REFUNDABLE IF VISA IS REJECTED ?
- Yes, you can get 100% refund if visa is denied and one needs to contact your OSHC provider and show them a copy of a denial letter you received from the Australian government department of home affairs.
- LEADING PROVIDERS OF OSHC POLICY
- The leading provider of OSHC are CBHS, AHM, NIB, ALLIANZ CARE, MEDI BANK, BUPA.
- They are approved by Australian immigration and are eligible to provide health insurance to overseas students.
- IMPORTANCE OF OSHC
- Medical care may be costly without OSHC, paying for any necessary treatment could be too expensive.
- The OSHC will assist you for paying for your treatment and maintaining your peace of mind.
- HOW TO GET OSHC POLICY CERTIFICATE ?
- Once OSHC is purchased, yours OSHC provider will send a welcome communication within 24 hours and after that you will receive your OSHC cover showing your name, cover period and policy number.
- IMPORTANT INFORMATION
- It is very important to choose a date up to 28 days before your course commence. In order to keep your visa valid one must be covered for OSHC continuously.
- It is mandatory that the insurance must commence from the date student arrives in Australia on their student visa and must be effect until the student leaves Australia or moves to a non- student visa sub-class.
- WHAT’S COVERED IN OSHC
- OSHC in Australia is designed to meet the minimum standards by the government. This is so overseas students are covered to at least the same level as Australia residents who are eligible for Medicare.(the public healthcare system)
- OSHC COVERS
- Hospital – 100% of the Medicare benefits schedule fee for medical services including your doctor, specialist, X- rays and blood test provided in hospitals.
- Ambulance–You’re coved for unlimited emergency ambulance transportation to hospital for admission and on-the-spot emergency treatment by recognized providers anywhere in Australia.
- PHARMACEUTICAL
- Prescription medicines are medicines that your doctor must authorize before you can buy them from a pharmacist.
What’s not covered?
- Treatments that are not approved by the Medical Services Advisory Committee and/or recognized by Medicare.
- Cosmetic surgery that is not clinically necessary and where benefits are not payable by Medicare.
- Non-emergency ambulance transportation
- IVF and assisted reproductive services
- Experimental treatment
- Repatriation
- Any treatments obtained outside of Australia.
- Extras services such as dental check-up, physiotherapy, Chiro and podiatry consultations.
- FOR ANY KIND OF INFORMATION FOR OSHC FOR AUSTRALIA CONTACT DAVESAR CONSULTANTS
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