{"id":994904,"date":"2017-10-21T12:21:04","date_gmt":"2017-10-21T02:21:04","guid":{"rendered":"http:\/\/soledu.net\/?p=994904"},"modified":"2018-12-21T03:14:48","modified_gmt":"2018-12-20T17:14:48","slug":"oshc-an-interntional-student-guide-2017","status":"publish","type":"post","link":"https:\/\/www.soledu.net\/au\/noindex\/oshc-an-interntional-student-guide-2017\/","title":{"rendered":"OSHC &#8211; A guide for International Students"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid dt-default\" style=\"margin-top: 0px;margin-bottom: 0px\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey layzr-bg\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span style=\"font-weight: 400;\">Overseas Student Health Cover (OSHC) is an insurance to assist international students meet the costs of medical and hospital care that they may need while in Australia. OSHC will also pay limited benefits for pharmaceuticals and ambulance services. In Australia, the public health system Medicare covers most Australian residents for health care but for International Students, Australian Government requires each to settle an OSHC prior to your entry to Australia under student visa. Furthermore, <\/span><span style=\"font-weight: 400;\">the Department of Immigration and Border Protection requires overseas students to maintain OSHC for the duration of time they are in Australia.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4><b>What does OSHC cover?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">OSHC provides a safety net for international students. It includes cover for visits to the doctor, some hospital treatment, ambulance cover and limited pharmaceuticals (medicines).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At a minimum, each OSHC product must include cover for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">the benefit amount listed in the Medicare Benefits Schedule (MBS) fee for out-of-hospital medical services (for example, a general practitioner)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">100 per cent of the MBS fee for in-patient medical services (for example, surgery)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">public hospital shared ward accommodation<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">private hospital shared ward accommodation (only for hospitals that have contractual arrangements with the overseas student\u2019s health insurer)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">day surgery accommodation<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">some prosthetic devices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">pharmaceutical benefits up to $50 per pharmaceutical item to a maximum of $300 a year for a single membership ($600 for a family membership). Overseas students may face significant out of pocket costs if they do not have appropriate coverage for treatment with pharmaceuticals, particularly oncology (cancer) treatment.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ambulance services.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You may choose to compare policies from different OSHC insurers before selecting your insurer. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before then purchasing the policy, make sure you check with the OSHC insurer about the level of cover you have chosen to ensure that it meets your needs. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">OSHC may cover, depending on the type of OSHC product purchased, general treatment (ancillary or extras cover, for example dental, optical or physiotherapy). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you require general treatment cover, you should contact the OSHC insurer for further information.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4><b>Who can purchase OSHC?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">People who must take out OSHC are overseas students undertaking formal studies in Australia and their dependents (for example, spouses and children under 18 years old).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">For the purposes of OSHC, \u2018overseas student\u2019 means:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">a person who is the holder of a student visa; or<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">a person who:<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">is an applicant for a student visa; and <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">is the holder of a bridging visa; and <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">was immediately before being granted the bridging visa, the holder of a student visa.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4><b>How much does OSHC cost?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The costs associated with OSHC will vary depending on individual insurers and their policies, the type of cover required and the duration. Overseas students are recommended to contact their respective private health insurer for policy related information before commencing OSHC to ensure an appropriate level of cover is chosen. All costs will be in Australian dollars (AUD).<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4><b>Which insurers offer OSHC?<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"http:\/\/ahmoshc.com\/english.aspx\"><span style=\"font-weight: 400;\">Australian Health Management<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/allianzassistancehealth.com.au\/au\/student-visa-oshc\/\">Allianz Global Assistance<\/a> (subcontracted by Peoplecare Health)<\/span><\/li>\n<li style=\"font-weight: 400;\"><a href=\"http:\/\/oshc.bupa.com.au\/\"><span style=\"font-weight: 400;\">BUPA Australia<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.medibank.com.au\/overseas-health-insurance\/oshc\/\"><span style=\"font-weight: 400;\">Medibank Private <\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.nib.com.au\/overseas-students\"><span style=\"font-weight: 400;\">nib<\/span><\/a><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-1\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey layzr-bg\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey layzr-bg\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey layzr-bg\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey layzr-bg\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey layzr-bg\"><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-1 vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div>\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span style=\"font-weight: 400;\">You can transfer to another provider at any time and waiting periods served with your first provider will transfer to your new provider \u2013 a cancellation fee may be charged.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you have a problem with your OSHC insurer you can contact the Private Health Insurance Ombudsman (PHIO) which helps consumers with issues and enquiries.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Source: <\/span><a href=\"http:\/\/www.health.gov.au\"><span style=\"font-weight: 400;\">www.health.gov.au<\/span><\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid dt-default\" style=\"margin-top: 0px;margin-bottom: 0px\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><section class=\"vc_cta3-container\"><div class=\"vc_general vc_do_cta3 vc_cta3 vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-classic vc_cta3-icon-size-md vc_cta3-actions-bottom\"><div class=\"vc_cta3_content-container\"><div class=\"vc_cta3-content\"><header class=\"vc_cta3-content-header\"><h2 style=\"font-size: 27px;color: #000000;font-family:Pathway Gothic One;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading\" >CONTACT US<\/h2><h4 style=\"color: #757575;font-family:Open Sans Condensed;font-weight:300;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading\" >We at SOL Edu, we care for your future. We assist you right!<\/h4><\/header><p><span style=\"font-weight: 400;\">Do you have any clarifications regarding OSHC? We can help you! Our team of Professional Education Planners are always happy to assist you! Contact our TEAM today!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u260e +61 7 3003 1899<\/span><\/p>\n<p><span style=\"font-weight: 400;\">?<\/span><span style=\"font-weight: 400;\"> www.soledu.net<\/span><\/p>\n<p><span style=\"font-weight: 400;\">?<\/span><span style=\"font-weight: 400;\"> info@soledu.net<\/span><\/p>\n<p><span style=\"font-weight: 400;\">?<\/span><span style=\"font-weight: 400;\">Level 2, 69 Adelaide St., Brisbane QLD<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>MARN 1683521 \/ 1682800 \/ 1790845<\/p>\n<\/div><div class=\"vc_cta3-actions\"><div class=\"vc_btn3-container vc_btn3-inline\" ><a class=\"vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-modern vc_btn3-icon-left vc_btn3-color-grey anchor-link\" href=\"http:\/\/soledu.net\/home\/online-counselling\/\" title=\"\" target=\"_blank\"><i class=\"vc_btn3-icon fa fa-envelope-o\"><\/i> Ask Our Experts Now!<\/a><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Overseas Student Health Cover (OSHC) is an insurance to assist international students meet the costs of medical and hospital care that they may need while in Australia. OSHC will also pay limited benefits for pharmaceuticals and ambulance services. In Australia, the public health system Medicare covers most Australian residents for health care but for International&hellip;<\/p>\n","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-994904","post","type-post","status-publish","format-standard","hentry","category-noindex","category-1","description-off"],"acf":[],"discount_description":"","discount_more_information":"","discount_ticket":"","discount_image":false,"discount_logo":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>OSHC - A guide for International Students - SOL Edu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.soledu.net\/au\/noindex\/oshc-an-interntional-student-guide-2017\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OSHC - A guide for International Students - SOL Edu\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.soledu.net\/au\/noindex\/oshc-an-interntional-student-guide-2017\/\" \/>\n<meta property=\"og:site_name\" content=\"SOL Edu\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/SOLEdu.Eng\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-21T02:21:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-12-20T17:14:48+00:00\" \/>\n<meta name=\"author\" content=\"SOL Admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SOL Admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.soledu.net\/au\/noindex\/oshc-an-interntional-student-guide-2017\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.soledu.net\/au\/noindex\/oshc-an-interntional-student-guide-2017\/\"},\"author\":{\"name\":\"SOL Admin\",\"@id\":\"https:\/\/www.soledu.net\/au\/#\/schema\/person\/d652d0eaec0b0cfaa07e66e2f131961a\"},\"headline\":\"OSHC &#8211; 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