What is OSHC?
OSHC stands for Overseas Student Health Cover. It is a type of insurance policy that is mandatory for international students in Australia to purchase, as a condition of their student visa. The purpose of OSHC is to provide insurance coverage for medical and hospital expenses, including emergency treatments and hospital stays.
Why is OSHC important for international students?
OSHC is important for international students because it provides financial protection in case of any medical emergencies during their stay in Australia.
Who can purchase OSHC?
OSHC can be purchased by any international student who is studying in Australia on a student visa. It is a mandatory requirement for student visas and must be maintained for the entire duration of the student’s stay in Australia.
What does OSHC cover?
OSHC covers medical expenses such as doctor consultations, hospital stays, and emergency treatments. It also covers the cost of prescription medicine and ambulance services. OSHC policies may vary, so it is important to check the specific details of the coverage offered by each policy.
How long does OSHC last?
The length of OSHC coverage will depend on the length of the student’s stay in Australia. Most OSHC policies are designed to cover the student for the entire duration of their study program, including any extensions.
How much does OSHC cost?
The cost of OSHC will vary depending on the insurance provider and the length of coverage required. It is important to compare different policies and prices to find the best option for the student.
Can OSHC be extended?
Yes, OSHC can be extended if the student’s stay in Australia is extended beyond the original coverage period. The student must notify their insurance provider and arrange for the extension of their policy.
What if I have pre-existing medical conditions?
OSHC policies typically have exclusions for pre-existing medical conditions. It is important for the student to declare any pre-existing conditions and to check if they are covered under their chosen policy.
What happens if I need medical treatment while in Australia?
In the event of a medical emergency, the student should contact their insurance provider as soon as possible to make arrangements for treatment. They may be required to pay for the treatment upfront and claim the costs back from their insurance provider later.
Can I change my OSHC provider?
Yes, the student can change their OSHC provider if they are not satisfied with their current policy or if they find a better option. The student must ensure that they have continuous coverage for the duration of their stay in Australia.
What happens if I cancel my student visa?
If the student cancels their student visa, their OSHC coverage will also be cancelled. Any unused portion of the premium will not be refunded.
Do I need to renew my OSHC policy?
Yes, the student must renew their OSHC policy each year if their student visa is valid for multiple years. They must ensure that they have continuous coverage for the duration of their stay in Australia.
What happens if I lose my passport?
In the event of a lost passport, the student should immediately notify their insurance provider and the Australian police. The student’s OSHC coverage will not be affected, but they may need to obtain a new student visa to continue their study in Australia.
Can I include my dependents in my OSHC policy?
Yes, some OSHC policies may allow for dependents, such as a spouse or children, to be included in the coverage. The student should check the specific details of their policy to see if this is an option.
Can I use my OSHC policy in my home country?
No, OSHC policies are only valid in Australia and do not provide coverage for medical expenses outside of Australia.
Can I use my OSHC policy for dental treatments?
Some OSHC policies may provide coverage for dental treatments, but this will vary depending on the policy. It is important for the student to check the specific details of their coverage to see if dental treatments are included.