• 100% of the  Medicare Benefits Schedule (MBS) fee for medical services provided in hospital 
  • Public hospital shared ward accommodation for overnight or same-day hospital stays 
  • Private hospital accommodation (for hospitals that have a contracted rate with Australian Health Services Alliance)
  • Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List 
  • You are covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment
  • General Practitioner (GP) including telehealth - We will cover the benefit amount as listed in the Medicare Benefits Schedule (MBS). The benefit amount may vary depending on the type of medical service.
  • We will cover the benefit amount as listed in the Medicare Benefits Schedule (MBS). The benefit amount may vary depending on the type of medical service.
  • For example X-rays and blood tests. We will cover the benefit amount as listed in the Medicare Benefits Schedule (MBS). The benefit amount may vary depending on the type of medical service. 

Expenses payable that exceed the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution:

  • Up to $50 per approved prescription medicine 
  • Up to $300 each year for singles 
  • Up to $600 each year for families or couples
Disclaimer For more details read the relevant Policy Document. You can only claim prescription medicines included in the Pharmaceutical Benefits Scheme (PBS) list and for items that cost more than the PBS co-payment fee. To see the full list of PBS medicines and the current co-payment fee, visit the Department of Health website.
t

Covers only the overseas student who is the primary Student Visa holder*

 

v
Covers the overseas student, and either one adult spouse or de facto partner or one or more children under the age of 18 years old.
 
n
Covers the overseas student and more than one dependant, which can include only one adult spouse and de facto partner and one or more dependent children under the age of 18 years old.
 

The Australian Government requires that you have continuous OSHC for the entire length of your stay in Australia unless an exception applies. So when you purchase OSHC, you will need to pay your policy premium upfront to cover you for the length of the student visa you are applying for.

*If you hold a secondary student visa, you must be insured under the same policy as the primary student visa holder.  You are only eligible to hold a single OSHC policy if you are the primary visa holder.

  • Any costs or services associated with dental treatment, physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services, unless the services provided meet the requirements of the Medicare Benefits Schedule.
  • Medications, drugs or other treatments not prescribed by a doctor and not included in the PBS
  •  Optical charges
  • The co-payment payable by you or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee
  • Service fees charged by a doctor or hospital which are not included in the benefits covered under your policy.
  • For more information about what’s not covered read the policy document.

The Medicare Benefits Schedule (MBS) is a list of medical services (e.g. a standard consultation with a GP or surgery in hospital) subsidised by the Australian Government with a fee (known as a ‘Schedule fee’) payable for each item.

The Schedule fee is the amount the government considers appropriate for one of these services and determines the amount that Australians receive when they claim a medical service through Medicare.

Visit the Department of Health website for more information.

A waiting period is the time you need to wait before a benefit is available.  Some costs, such as medical expenses relating to a pre-existing condition, are not covered during your waiting period. You can claim for benefits available on your policy for expenses incurred after the waiting period has ended.

The waiting periods will differ depending on which OSHC policy you have purchased.

Standard cover

  •  2 month waiting period for pre-existing psychiatric-related medical conditions
  • 12 month waiting period for all pregnancy related conditions
  • 12 month waiting period for all other pre-existing medical conditions

Essentials cover

  • No waiting period for pregnancy-related or psychiatric medical services
  • 12 month waiting period for all other pre-existing medical conditions

The waiting period is calculated from:

  • the date you or your dependant arrived in Australia; or
  • the date your Student Visa was granted, 

whichever is the later date.

For more information read the Policy Document below.

Before purchasing ensure you read the policy wording document to ensure the policy is right for you.