At FederPath Consultants, we understand that your health and peace of mind are paramount when studying abroad.
What is OSHC?
Overseas Student Health Cover (OSHC) a mandatory health insurance for international students, designed to cover the costs of various medical services you might need during your stay in Australia. It provides cover for:
- Out-of-hospital medical treatment (e.g., GP visits)
- In-hospital medical treatment (e.g., hospital stays)
- Prescription medicines
- Surgically implanted prostheses
- Emergency ambulance transport
OSHC and its providers are regulated by the Australian Department of Health and Aged Care, ensuring you receive standardized and reliable cover.
Why is OSHC Essential?
Student Visa requirement:
The Australian Government, through the Department of Home Affairs, mandates that all Student Visa holders maintain adequate health insurance for their entire duration in Australia, unless a specific exemption applies. Meeting your visa requirement is seamless with Allianz Care Australia Standard OSHC.
Notification to the Department of Home Affairs:
As maintaining OSHC is a core Student Visa condition, Allianz Care Australia may provide the Department of Home Affairs with details if your OSHC policy is cancelled or refunded.
Medical treatment can be expensive:
Most overseas students are not eligible for Medicare (Australia’s public health insurance system). Without OSHC, medical treatment can be incredibly costly, leading to significant out-of-pocket expenses.
WHO IS ELIGIBLE FOR OSHC?
Health insurance comes in three packages.
- Singles: Covers only the overseas student who is the primary Student Visa holder.
- Dual Family: Covers the student, and either one spouse/de facto partner OR one or more children under the age of 18.
- Multi-Family: Covers the student and more than one dependant, which can include one spouse/de facto partner AND one or more children.
Just like any insurance product, OSHC policies can vary in their extent of coverage. While basic plans meet minimum requirements, higher-cost options often provide a wider range of benefits.
Key Benefits of OSHC:
- Medical and hospital treatments: Including doctor’s visits and hospital stays.
- Prescription medicines: Partially covers the cost of medications listed on the Pharmaceutical Benefits Scheme (PBS).
- Emergency ambulance services: Covers emergency ambulance transportation, which can be a significant expense.
- Pathology and X-rays: Covers essential in-hospital pathology and radiology services.
HOW LONG DO I HAVE TO BE COVERED?
The Australian Government requires you to maintain adequate health insurance for the entire length of your Student Visa. You can purchase OSHC for your proposed visa length. If you apply for a new Student Visa, simply contact us at FederPath to extend your OSHC policy for the duration of the new visa by paying the additional premium.
The Allianz Care Advantage: Why Choose Standard OSHC Through FederPath
ARRANGE YOUR OSHC THROUGH US AND ENJOY THE BENEFITS OF ALLIANZ CARE AUSTRALIA STANDARD OSHC.
Beyond just meeting your visa requirements, Allianz Care Australia offers a robust support system designed for international students:
- Largest OSHC Provider: Allianz Care Australia is one of Australia’s largest OSHC providers, bringing extensive experience and a broad network.
- National Network of 950+ Direct Billing Medical Providers: This extensive network means you can often see a doctor without upfront payment, making healthcare access much simpler.
- 24/7 Emergency Helpline: A dedicated 1800 814 781 helpline for medical or personal emergencies, available round the clock.
- Friendly Support Team with International Experience: Get assistance from a team that understands the unique needs of international students.
Enhanced Support for You:
- On-campus support: Subject to COVID-19 restrictions/guidelines, Allianz Care may offer direct assistance on university campuses.
- Personalised Case Management: Every health query and case is unique and is managed with personal care, ensuring you get the attention you need.
- Best-in-Class International Health Services: Allianz Care is committed to delivering top-tier health services tailored for students like you.
24/7 Telehealth Service, Powered by Doctors on Demand:
Access qualified Australian-based doctors from anywhere, without leaving home. This service offers:
- Convenience: Consult a GP immediately or book an appointment that suits you.
- Prescriptions & Referrals: Obtain repeat prescriptions and referrals to specialists remotely.
- Personal Choice: Choose your preferred GP based on gender or language spoken.
Additional Digital & Wellbeing Benefits:
- Allianz MyHealth App: Your essential tool for managing your OSHC:
- Access your e-membership card instantly.
- Find a direct billing doctor nearby.
- Update your OSHC account details.
- Submit a claim with ease.
- Allianz Care Mental Wellbeing App – Powered by Uprise: Your mental health is as important as your physical health. This app provides:
- Wellbeing Assessment: Evaluate your stress levels and get a personalized wellbeing measure.
- Mental Fitness Training: Learn practical skills for building mental strength and resilience.
- One-on-One Coaching: Access up to two hours of confidential coaching with licensed psychologists and counsellors, addressing concerns like stress, anxiety, loneliness, isolation, sleep issues, or building confidence.
- Online Wellbeing Health Hub: An online portal offering member services, claims processing, and a tool to find direct billing medical providers.
Understanding the Policy Document and Member’s Guide
The Policy Document and Member’s Guide provided by Allianz Care are your indispensable resources for understanding your OSHC coverage:
- Policy Document: This legally binding document outlines the full terms and conditions of your OSHC coverage, including what is covered, what is excluded, waiting periods, and the detailed claim process. It’s essential to familiarize yourself with this document to understand your rights and responsibilities.
- Member’s Guide: This user-friendly guide simplifies the technical jargon, making it easier for you to understand the benefits and limitations of your OSHC.
Please note: This blog provides a summary of information and benefits. For the full exclusions, limitations, waiting periods, terms and conditions of your OSHC, please read the official Policy Document contact FederPath Team.
For more information or assistance with your OSHC, don’t hesitate to reach out to FederPath Consultants by clicking on our website: https://federpath.com/contact.php
(or) call us: +𝟗𝟏 𝟗𝟎𝟓𝟐𝟑𝟓𝟎𝟓𝟖𝟑. Your health and well-being matter to us.