OSHC/OVHC For Abroad Study & Visitors
Whether you are visiting Australia on a temporary visa or, you’re on a student visa, depending on your visa category you should consider purchasing Overseas Visitors Health Cover (OVHC) or Overseas Student Health Cover(OSHC). If you need to see a doctor or stay in a hospital while you’re here, you may be liable for the whole cost of care, which can be quite expensive.
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My OVHC
The pricing, eligibility, and benefits of each OVHC coverage will vary. Most policies, however, should cover you for medically necessary hospital admissions as well as a percentage of doctor’s bills.
In addition to hospital and medical expenditure coverage, you may also acquire General Treatment coverage. General Treatment coverage provides compensation for the services of private-practice health care professionals such as dentists, optometrists, and physiotherapists. Insurance can cover a portion of these charges, but you will still be responsible for a portion of the fees.
What does Not OVHC cover?
When acquiring coverage, keep in mind that certain plans will have lesser or no benefits for specific forms of therapy, and waiting periods might vary – some policies may permanently exclude insurance for pre-existing conditions, implying that such illnesses would never be covered.
Most international visitors’ health insurance policies provide only limited coverage for medications. Overseas tourists may incur considerable out-of-pocket fees if they require pharmaceutical therapy, particularly cancer treatment.
My OSHC
If you are an international student on a temporary student visa, it is a requirement of your visa that you have appropriate health insurance for the duration of your stay in Australia. This means you must get Overseas Student Health Cover (OSHC) and maintain your coverage current while in Australia on a student visa.
OSHC helps overseas students pay for medical and hospital treatment while studying in Australia. OSHC also offers ambulance service and a limited supply of medications.
What does OSHC cover?
OSHC policies help to defray the costs of hospitalisation and medical care. Ambulance services are also reimbursed.
The OSHC Deed specifies the minimal conditions for an OSHC insurance. Explanatory Guidelines for the Deed and a One-Page Fact Sheet describing what is covered by the Deed and how OSHC works are also available from the Department of Health. Check with your OSHC insurance for further information.
OSHC does not cover general care (also known as supplementary or extras coverage), such as dental, optical, or physiotherapy.
Registered OSHC Health Insurers
Certain insurers provide OSHC as part of a Deed of Agreement with the Department of Health in order to provide appropriate health insurance to students at a fair cost. Only a few recognised health insurers provide OSHC.