At FederPath Visa Consultancies, we understand the significance of OSHC and have partnered with Allianz Care to bring you the best possible health cover. In this blog, we’ll explore the essentials of Overseas Student Health Cover and the importance of the Policy Document and Member’s Guide provided by Allianz Care.
What is OSHC?
Overseas Student Health Cover (OSHC) is health insurance for international students which provides cover for the costs of: – Out of hospital medical treatment – In hospital medical treatment – Prescription medicines – Surgically implanted prostheses – Emergency ambulance transport The Department of Health and Aged Care regulates OSHC and OSHC providers.
Why is OSHC Essential?
Student Visa requirement:
The Australian Government through the Department of Home Affairs requires all holders of a Student Visa to maintain adequate health insurance whilst they are in Australia unless an exemption applies.
Notification to the Department of Home Affairs:
As it is a condition of the Student Visa that OSHC must be maintained while studying in Australia, Allianz Care Australia may provide the Department of Home Affairs with the name and contact details of the Member who has cancelled his or her OSHC Policy or whose premium has been refunded.
Medical treatment can be expensive:
Most overseas students are not eligible for Medicare (the public health insurance system for Australian citizens and permanent residents). Without access to Medicare, overseas students may have difficulty paying for medical treatment.
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 or de facto partner
children under the age of 18
Multi-family – covers the student and more than one dependant, which can be:One spouse or de facto partner
One or more children-Like any other insurance product, the cheapest OSHC covers the bare minimum requirements while the high-cost ones cover a wide range of health complications.
Key Benefits of OSHC:
Hospital and Medical Services: OSHC provides coverage for doctor’s visits, hospital stays, and some prescription medications.
Emergency Ambulance Services:It covers emergency ambulance transportation, which can be a significant expense without insurance.
Limited Pharmaceutical Benefits: OSHC partially covers the cost of prescription medications listed on the Pharmaceutical Benefits Scheme (PBS).
In-Hospital Pathology and Radiology Services: OSHC covers essential in-hospital pathology and radiology services.
HOW LONG DO I HAVE TO BE COVERED?
The Australian Government requires that you maintain adequate health insurance for the entire length of your Student Visa. You can purchase OSHC for the proposed length of your Student Visa. If you have applied for a new Student Visa, you can contact us to extend your OSHC policy for the duration of the new Student Visa by paying us the additional premium for the extended period.
The Allianz Care Advantage:
FederPath Visa Consultancies has partnered with Allianz Care to offer you the best OSHC services. Allianz Care is a trusted name in health insurance, known for its commitment to customer satisfaction and support.
When you choose Allianz Care for your OSHC, you gain access to:
Easy Claim Process:Allianz Care offers a straightforward claim process, making it easy for you to access healthcare services.
Comprehensive Coverage: Their OSHC plans are designed to provide comprehensive coverage, ensuring that you have access to necessary medical services.
24/7 Support: Allianz Care offers round-the-clock customer support, so you’re never alone in times of need.
Understanding the Policy Document and Member’s Guide
The Policy Document and Member’s Guide provided by Allianz Care are your go-to resources for understanding your OSHC coverage. Here’s why they’re important:
Policy Document: This document outlines the terms and conditions of your OSHC coverage, including what is covered, what is excluded, and the claim process. It’s essential to familiarize yourself with this document to know your rights and responsibilities.
Member’s Guide: The Member’s Guide offers a user-friendly explanation of your coverage. It simplifies the technical jargon, making it easier for you to understand the benefits and limitations of your OSHC.
YOUR CLAIMING OPTIONS:
There are a few simple ways to claim including:
Claim via Allianz MyHealth app Use the Allianz MyHealth app to submit a claim, access and update your membership details including your e-membership card, and to access our 24-hour helpline.
1. Download the app or login to the member portal.
2. Register an account using your policy number.
3. Select ‘Submit claim.
4. Upload photos of your invoices and receipts.
Manual claim:
1. Download the claim form from our website https://www.allianzcare.com.au/en.html
2. Send your completed form and any relevant attachments e.g. medical invoices (receipts) to oshcclaims@allianzcare.com.au with your policy number in the email subject line.
Claim via Allianz MyHealth app:
Use the Allianz MyHealth app to submit a claim, access and update your membership details including your e-membership card, and to access our 24-hour helpline.
1. Download the app or login to the member portal.
2. Register an account using your policy number.
3. Select ‘Submit claim’.
4. Upload photos of your invoices and receipts
Alternatively, you can post your claim and receipts to: Allianz Care Australia OSHC Locked Bag 3001 Toowong QLD 4066
It is important that you keep a copy of all your invoices and receipts.
Please note that the provision of assistance services to you is not deemed to be acceptance of cover in circumstances where no cover is otherwise available to you under this OSHC policy
CLAIMS REIMBURSEMENT:
Paid accounts :If you have paid your medical or hospital bill, your benefit will be reimbursed in Australian dollars by: –
Direct debit – into your nominated Australian bank account; or –
Bank cheque – sent to your postal address as nominated on your claim form –
Please ensure your postal address is correct and up to date.
Unpaid accounts: If you have not paid your medical or hospital bill, the benefit will be paid to the nominated health care provider (e.g. doctor or hospital).
We will endeavor to process your claim within 10 working days of receiving a completed claim form and all original documents. If we need additional information, a written request will be sent to you within 10 working days.
SECTION FOUR MEMBER’S GUIDE OSHC 24 HOUR HELPLINE –
1800 814 781 In the event of a medical or personal situation, we will assist you with:
(a) 24 hour medical advice and assistance
(b) 24 hour referrals to a doctor for medical treatment
(c) 24 hour access to an interpreting service
(d) assistance to replace travel documents or passports
(e) any messages which need to be passed to your family or friends in the event of an emergency. In a medical emergency call triple zero (000).
AWP Australia Pty Ltd trading as Allianz Care Australia has been appointed by the underwriter Peoplecare to administer all assistance services. Please note that the provision of assistance services to you is not deemed to be acceptance of cover in circumstances where no cover is otherwise available to you under this OSHC policy
HELPFUL SERVICES:
Online services and information Simple and easy to use services and important information can be found at our websitehttps://www.allianzcare.com.au/en/contact-us.html
Members services If you need assistance with any matter, contact our friendly and helpful member service officers on 13 OSHC (13 6742), who will be able to assist you.
Stay Informed, Stay Protected
Studying abroad is a remarkable experience, and OSHC is your safety net to ensure that your health remains a priority.
https://federpath.com/and Allianz Care are committed to making your international education journey as smooth as possible.
By understanding the essentials of Overseas Student Health Cover and thoroughly reviewing your Policy Document and Member’s Guide, you can embark on your adventure with confidence With Us.
For more information or assistance with your OSHC, don’t hesitate to reach out to FedertPath Visa Consultancies by clicking on our websitehttps://federpath.com/contact.php
(or) call us: +𝟗𝟏 𝟗𝟎𝟓𝟐𝟑𝟓𝟎𝟓𝟖𝟑. Your health and well-being matter to us.