For all the overseas students in Australia, everyone would have their OSCH (Oversea Student Health Cover) card, in order to get the right medical assistance. Today, we will introduce how to use this medical card and what to do when you feel sick in Australia.
What is OSHC
OSHC (Overseas Student Health Care) is insurance taken out by international students to meet hospital and medical costs while in Australia, which is a compulsory requirement for a student visa and is available from any government-approved OSHC provide.
How long do I have to be covered?
What you need to pay attention is, you need to make sure the duration of your insurance will cover all your study period. If the length of the coverage period of your OSHC is shorter than your study period, it would influence the approval efficiency of the student visa. The flowing is the suggested length of coverage period for OSHC:
– If the duration of the course is less than 10 month, the duration of your OSHC should be granted for one month longer than the duration of your course;
– If the duration, of course, is 10 months or longer (finishing January–October), your OSHC should be granted for two months longer than the duration of your course;
– If the duration, of course, is 10 months or longer (finishing November–December), your OSHC should be granted for three months longer than the duration of your course;
If you are not sure the duration of your OSCH, please feel no hesitate to chat with us!
Benefits covered under your policy
Medical services provided by most general practitioner services;
All other medical services such as pathology and radiology (including specialists);
Medical services provided in the hospital;
Public hospital – admitted the patient in the shared ward, hospital same day services, accommodation, accident and emergency and outpatient medical, and post-operative services;
For prescription medicines prescribed by your doctor;
Ambulance services fee.
How do I find a doctor?
For non-emergency illness or injury that requires treatment but is not immediately life-threatening, you need to make an appointment with a General Practitioner(GP) in your local health center, the GP would ask you about your health condition and do some general health check. After that, your GP will provide some health and possibly prescribe some medicine or send you on a specialist.
– You need to present your OSHC card or ID when you process to the check out counter in the health center which provides the direct billing service so that the staff can send the covered fee to the OSHC provider company.
– You can also find a doctor in other health centers, you may be asked to pay a full bill, and claim your order to the OSCH provider company with the invoice.
For an emergency such as serious illness or injury that poses an immediate risk to your life or long-term wellbeing, every public hospital would have the 24h emergency center for emergency patients, however, the doctors would give priority to those patients in the most emergency condition.
If you have been admitted for emergency treatment, contact the OSHC provider immediately and provide the details of your treatment and hospital stay, so that the provider can confirm your cover and assist you with making arrangements for payment to the hospital.
– Generally, OSHC covers the total cost of your stay and treatment as an in-patient in a shared ward of a public hospital.
– You can also choose to be treated in a private hospital, the OSHC provider company will cover the in-patient accommodation fee and treatment fee. For the service fee provided by the doctor, OSHC will cover 100% of the MBS.
Billing options with your OSHC
Doctor consultancy fee
– You will not be charged for doctor consultancy fee with your Medical card or OSHC card in health center where provide Bulk Billing service;
– Or you will be charged $30-$50 of doctor consultancy fee with your OSHC card, but you can claim your order to government or health insurance company after you meet the doctor.
You need to pay the full amount for your prescription in advance. In general, OSHC will reimburse up to $50 for each prescription and up to $300 for each calendar year. You need to pay for the excess quota on your own, and you can not make a claim for the non-prescription medicine.
OSHC cover 85% of the specialist inspection fee (include radiology specialist)
Other consultancy and inspection will be covered 85% as the Medicare standard.