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Overseas Student Health Cover (OSHC)

Overseas Student Health Cover (OSHC) helps you to cover the cost of medical expenses while you are in Australia. It provides you with a similar level of cover to that of Australian residents.

It is a condition of your student visa that you hold and maintain health insurance for the entire length of your stay in Australia. This insurance is called Overseas Student Health Cover (OSHC).

OSHC helps you to pay for medical care you may need when you are studying in Australia. If you have an accident or get sick, OSHC will cover many of your expenses. There are special arrangements regarding OSHC for Australia Awards Scholarship students, and students from Norway and Sweden. For full details, see the link below.

There are several providers of OSHC in Australia. The University of Adelaide currently facilitates OSHC with OSHC Allianz Global Assistance. If you or your agent has chosen to use another provider, you must contact them directly to find out what is covered on your policy and how to make claims. Details are provided in the links below.

  • Visa length cover

    It is a condition of your student visa that you hold and maintain health insurance for the entire length of your stay in Australia. This insurance is called Overseas Student Health Cover (OSHC).

    OSHC helps you to pay for medical care you may need when you are studying in Australia. If you have an accident or get sick, OSHC will cover many of your expenses. There are special arrangements regarding OSHC for Australia Awards Scholarship students, and students from Norway and Sweden.

    There are several providers of OSHC in Australia. The University of Adelaide currently facilitates OSHC with OSHC Allianz Global Assistance. If you or your agent has chosen to use another provider, you must contact them directly to find out what is covered on your policy and how to make claims.

  • Other companies with OSHC

    OSHC providers change from time to time. For accurate information on insurance companies providing OSHC, check the Australian Department of Health website and type ‘overseas cover’ in the keywords search field. See links below for companies that provide OSHC:

    AHM
    BUPA
    Medibank Private
    NIB
    OSHC Allianz Global Assistance

    .

  • Policy types

    From 1 January 2012 all new OSHC Allianz Global Assistance policies arranged by the University of Adelaide will provide the OSHC Worldcare Essentials package, which includes the following benefits:

    • no waiting period for both in-hospital and out-of-hospital treatment for psychiatric preexisting conditions
    • no waiting periods for cover in relation to pregnancy services.

    Another important change that will come into effect with all new OSHC Allianz Global Assistance policies from 1 January 2012 relates to the types of OSHC policies available. Instead of the two policies currently available, Single and Family, there will be three policies available - Single, Dual Family and Multi-family. These policies cover:

    Single Policy

    Covers only the valid student visa holder.

    Dual-family policy

    Covers one valid student visa holder plus either one adult spouse or recognised de facto partner, or one or more dependant children.

    Multi-family policy

    Covers one student visa holder plus more than one dependant—this can only include one adult spouse or recognised de facto partner, and one or more dependant children.

  • Making a claim

    You can submit a claim form to your health insurer if you have:

    • received a bill after visiting a doctor
    • received a bill for tests or X-rays a doctor has ordered
    • paid a bill after visiting a doctor or for tests or X-rays
    • paid for prescription medication (over the value of $38.30 per item) to a maximum of $50.00 per prescribed item.

    If you have paid the bill you will need to submit a claim form and the original receipts to your OSHC provider. If you have not paid the bill you must send the invoice(s) to OSHC Allianz Global Assistance together with a claim form and they will assess the claim and pay where applicable. We recommend that you keep a photocopy of the original invoices and receipts. Cash claims are available on campus for claims less than $105.00.

    An OSHC Allianz Global Assistance representative is available at Ask Adelaide to help with enquiries at the following times:

    Monday to Friday, 10.00 am – 4.00 pm

    OSHC Allianz Global Assistance claims can also be submitted online.

    Remember to send the receipts to OSHC Allianz Global Assistance in the pre-paid envelopes provided.

    Claims can also be submitted by filling out a form and posting it with your receipts to OSHC Allianz Global Assistance.

  • Students from Norway and Sweden

    Students applying from Norway and most Swedes do not need to obtain OSHC because the Australian Department of Health has advised that these countries have a national health scheme or other arrangements that provide acceptable health insurance for them while they are overseas.

    For the OSHC requirement to be waived, Norwegian students should have documentation proving that they are covered by the Norwegian National Insurance Scheme. Swedish students should have proof that they have insurance provided either by CSN (the Swedish National Board of Student Aid) or by Kammarkollegiet.

    OSHC is available to Norwegian and Swedish nationals if they require it.

  • Student Health Cover for Australia Awards Scholarship Students

    If you are an Australia Awards Scholarship student, you will not need to pay the OSHC yourself. You will, however, need to provide proof that you are an Australia Awards Scholar.

  • OSHC Allianz Global Assistance Covers

    To access these 24-hour services simply call 1800 814 781 any time! For general enquiries call 13 67 42.

    • 24-hour telephone access to emergency
    • medical advice and assistance
    • 24-hour telephone access to legal advice
    • 24-hour telephone access to an interpreting service
    • emergency hospitalisation or medical treatment
    • out-of-hospital medical services for doctors, pathology and X-rays (100% of scheduled fee)
    • in-hospital medical services for doctors, pathology and X-rays (100% of scheduled fee)
    • hospital in-patient shared ward accommodation (private or public hospital) (100% of scheduled fee)
    • prescription medicines, excluding the co-payment required ($36.10) up to a maximum benefit of $50 per prescribed item. There is a maximum amount per calendar year for Single cover of $300 per person; maximum amount per calendar year for Family cover of $600
    • ambulance transport for emergencies only

    OSHC Allianz Global Assistance Does Not Cover

    • Treatment for medical conditions, or disabilities, in existence before you came to Australia during your first 12 months of membership
    • dentists’ charges
    • opticians’ charges (eye test payable once every 24 months; cost of glasses or contact lenses are not covered)
    • charges from physiotherapists, osteopaths, chiropractors and naturopaths
    • medicine when it is not prescribed by a doctor.

    There will be other items it does not cover. Check your policy and make sure what these are. A basic dental, optical, chiropractic and physio treatment policy can be purchased at an additional cost by visiting www.peoplecare.com.au

    Co-payment rates and prices effective as at August 2012.

  • Costs

    Your OSHC does not cover the total cost of private hospitals with an emergency department such as Wakefield Hospital. Most emergency charges will be in excess of $200.00 depending on the length of time of your consultation, who you are seen by and the treatment required. As an example you could be charged for an item 23 (General Practitioner Short Visit) at $300–350 and your reimbursement cost would only be $37.05. Fact sheets with more information are available via the OSHC Allianz Assistance web.

    Pharmaceuticals/ prescriptions

    Pharmaceuticals prescribed by a doctor are not free or available directly from the doctor—they must be purchased at a chemist (pharmacy). With standard OSHC, if the medicine you buy has been prescribed by a doctor and is listed on the Pharmaceutical Benefits Scheme (PBS), you may be able to claim back some of the cost—but not all of it. You will get a refund for prescriptions that cost more than $37.05 per item. You will only be paid the amount over $37.05 (i.e. If your prescription costs $48.00, you will receive a refund of $11.90). OSHC Allianz Global Assistance will give you a refund on individual prescriptions up to $50.00 per item (i.e. if your prescription costs $90.00, you will only receive a maximum refund of $50.00 per prescribed item up to $300.00 per year for a single policy and $600.00 per year for a family policy). Fact sheets with more information are available via the OSHC Allianz Assistance web.

    Dentists

    Standard OSHC does not cover any dental services. You will need to pay for dental treatment. It will usually cost you around AUD$50.00 for the first visit with a dentist. Ask for an estimate of the cost of the work to be done after your first visit. If in doubt seek a second opinion. Some dentists are more expensive than others. Appointments are necessary to visit a dentist, and payment at the time of service is always expected. An option for students of the University is the Colgate Dental Clinic, the dental practice attached to the University dental research centre. Students can get a 10% discount off of the full fee. The Clinic is on the second floor of the University dental hospital on Frome Road, Adelaide; phone: 8313 3437 to make an appointment. Other dentists are listed in your telephone directory.

    Allied Health

    Optometry OSHC covers the cost of one eye test every 12 months, but it does not cover the cost of glasses or contact lenses. Optometrist services are located throughout Adelaide and suburbs. Please consult the telephone directory, under ‘Optometrists’— most directories have a Locality Guide for more information.

    • Allied Health Services
    • Counselling
    • Physiotherapy
    • Podiatry
    • Sexual health and family planning
    • Women’s health
    • Sexuality services

    Information on these Allied Health Services in Adelaide is available in the Medical Services section.

  • Health Services After Arrival

    Students are able to access a wide range of health services, including an on-campus service, after arrival. For detailed information about the available options, please visit the Medical Services section of the website.

    The Find a Doctor website by Allianz Global Assist is also a helpful tool for helping students locate a doctor near them. Allianz also maintain a Living in Australia website with general support information for students.

 

International Student Support (Kenneth Wills Building)

Call us +61 8 8313 4828
Opening Hours: Monday 10am-5pm, Tuesday to Friday 9am-5pm
 
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