Benefits of OSHC (Overseas Student Health Cover) for International Students

Are you studying overseas? Ensure you’re covered with 🏥 OSHC it's essential for international students, offering medical coverage and financial protection. Our presentation breaks down the benefits and tips for picking the best provider. Stay safe and smart while you explore

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1. Benefits of Benefits of OSHC OSHC forfor
International StudentsInternational Students
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2. 1 Introduction to OSHC
2 Mandatory Requirement
3 Medical Benefits and Coverage
4 Additional Health Support
5 Financial Protection
6 Comparing OSHC Providers
7 How to Apply for OSHC
8 Tips for Maximizing OSHC Benefits
Agenda
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3. Introduction to OSHC
What is Overseas Student Health Cover (OSHC)?
OSHC is a type of health insurance specifically designed for
international students studying in Australia. It helps cover medical
expenses, including doctor visits, hospital stays, and other health
services.
Importance of OSHC for international students
OSHC ensures that international students have access to necessary
healthcare services without incurring high medical costs during their
stay in Australia. It is a critical safety net for students unfamiliar with
the Australian healthcare system.
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4. Mandatory Requirement
Legal obligations
for students in
Australia
Who needs OSHC
and duration of
coverage
OSHC is a mandatory requirement for
international students holding a
student visa in Australia. Students are
legally required to maintain this
coverage for the entire duration of their
stay.
All international students, except those
from countries that have a reciprocal
health agreement with Australia, need
OSHC. Coverage must extend from the
day the student arrives in Australia
until they leave or switch to another
visa.
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5. 1
3
2
4
Medical Benefits
and Coverage
OSHC covers a significant
portion of the costs related to
inpatient hospital services,
including surgeries and
emergency treatments.
OSHC typically covers part of
the cost of prescription
medicines, helping students
manage the expense of
medications.
Students can claim the cost of
general practitioner (GP) visits
and may be partially
reimbursed for visits to
specialists, depending on their
plan.
OSHC covers emergency
ambulance services, ensuring
that students receive urgent
medical care when necessary.
Coverage for hospital
treatments
Doctor visits and specialist
consultations
Prescription
medications
Ambulance
services
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6. AdditionalAdditional
HealthHealth
SupportSupport
While some basic plans may not
cover allied health services, higher-
tier plans can include benefits for
physiotherapy, dental care, optical
services, and more.
Many OSHC policies provide access
to mental health care, including
counseling and psychiatric services,
a crucial benefit for students
adapting to a new environment.
Mental health support
services
Access to allied health
services
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7. Reducing the financial burden
of unexpected medical
expenses
Avoiding high out-of-
pocket costs
Financial Protection
Without OSHC, students may face high
medical bills. OSHC provides significant
financial relief, covering most medical
services, from routine checkups to
emergency hospitalizations.
By having OSHC, students avoid
paying out-of-pocket for many
essential services, ensuring their
health needs are met without
financial strain.
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8. Comparing OSHC
Providers
Overview of top OSHC providers in Australia
Major providers include Medibank, Bupa, Allianz Global
Assistance, NIB, and AHM. Each offers different levels of
coverage and benefits.
Choosing the right plan for individual needs
Students should compare the benefits, coverage limits, and
costs of different plans to find one that fits their medical
needs and budget. Some may prioritize comprehensive
coverage, while others may focus on affordability.
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9. How to Apply
for OSHC
Process for selecting and purchasing OSHC
Students can purchase OSHC directly from insurance providers or
through education agents. It is often part of the student visa
application process.
Key things to keep in mind when enrolling
Ensure the plan covers the full length of stay in Australia, includes
adequate medical services, and complies with student visa
requirements. Students should also check for waiting periods and
exclusions.
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10. Tips for Maximizing OSHC
Benefits
Understanding
the terms and
conditions
Making the
most of your
coverage
Read and understand the policy
document to know what is and isn't
covered. Pay attention to exclusions,
waiting periods, and claim procedures.
Use preventive healthcare services
covered by OSHC, such as GP visits for
regular checkups. Keep records of all
medical bills and receipts to claim
benefits smoothly.
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11. Conclusion
Recap of key benefits
OSHC offers critical medical coverage, financial protection,
and peace of mind for international students studying in
Australia.
Importance of maintaining OSHC during the study
period
Maintaining continuous OSHC coverage is essential, not only
as a visa requirement but to safeguard students' health and
finances throughout their time abroad.
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OFFICE ADDRESS
AUSTRALIA
Level 7, 278 Collins Street, Melbourne VIC 3000
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