Congratulations on starting your study abroad journey. E&M always accompanies students on their study abroad journey. We support and provide free consultation to help international students register for the most suitable and economical OSHC health insurance package. E&M has full information from many different OSHC insurance providers, we will help you compare each service package of reputable insurance companies, in order to save maximum costs and find the right health insurance package.

Why do you need to buy OSHC insurance when studying abroad in Australia?

OSHC insurance is a mandatory requirement for an Australian student visa application. OSHC insurance helps you feel secure on your journey to study abroad with many new experiences. The insurance will cover the costs of medical examination and treatment, hospitalization, emergency care or prescription drugs, helping you and your family feel completely secure when studying abroad away from home.

  • What does OSHC insurance cover?

    International students can easily access and refer to information about OSHC insurance quickly online, 100% free.

    This is also a service that can be registered and paid for online conveniently and flexibly, without having to go through any university

    Issuing insurance certificates quickly, to support international students to apply for visas in time.

    Providing necessary information before departing to Australia such as OSHC policy, how to get a membership card, understanding the Australian Health Care System, finding health care clinics and contacting the nearest OSHC office.

    24/7 support service, with a closed group of OSHCstudents always ready to support students at any time.

  • OSHC services provided

    Medical services provided by a local doctor and general practitioner in Australia
    Out-of-hospital medical treatment
    In-hospital treatment
    Prescription drugs
    Ambulance services

  • Health Insurance Costs for Overseas Students Living in Australia

    The cost of OSHC depends on the type of insurance you choose, with different levels, such as single, couple and family insurance, which have different services and prices.

    The minimum cost of OSHC is $452/year for a single person, $2,332/year for a couple and $3,555/year for family insurance.

    It is important to note that this is a mandatory fee for international students to apply for an Australian student visa.

  • What types of costs will OSHC cover?

    OSHC is committed to providing the same coverage as Australians receive from Medicare (the public health system for Australian citizens and permanent residents).

    In addition, OSHC will help international students access private hospital and day surgery, emergency ambulance services, pharmaceutical benefits, with specific information as follows:

    1. Out-of-hospital medical treatment

    Medical services provided by a general practitioner (customers will receive the full (100%) cost as listed in the Medicare-MBS Schedule of Benefits).

    All other medical services such as general health checks and X-rays (including health care specialists), up to 85% of the cost as listed in the MBS.

    2. General hospital examination and treatment

    Hospital examination and treatment: 85% of the cost as listed in the MBS.

    3. Public Hospital Charges

    Public Hospital: Customers are entitled to general hospital or private accommodation in a hospital hostel, day care, emergency and post-operative services for patients and outpatients.

    Charges are charged in accordance with the State and Territory health. authority responsible for services charged to a patient who is not an Australian citizen or permanent resident.

    4. Private Hospital Charges

    Private Hospital/Registered Day Hospital Facility: 100% of the cost of all insurable charges covered by the contracted hospital with a minimum of a general ward hospital.

    5. Prescription Medicines

    For any medicine prescribed by a doctor, customers will receive 100% of the cost as prescribed under the Pharmaceutical Benefits Scheme-PBS

    Up to a maximum of $50 for any prescribed item.

    Maximum $300 per member per year.

    Maximum $600 per family member, $300 per person.

    6. Ambulance

    Ambulance services: 100% of the cost of transport when this service is required for an emergency.

    7. Cosmetic surgery

    Surgical implants: 100% of the cost of items listed in the Australian Prosthetics List as regulated by the Australian Federal Government.

  • Types of costs OSHC insurance does not cover

    Dental treatment.
    Optical care.
    Services provided by a physiotherapist, osteopath, chiropractor, naturopath or any other ancillary service.
    Prosthetic surgery not considered medically necessary Prosthetic surgery is not required
    Assisted reproductive health program.
    Treatment of pregnancy within the first 12 months of your arrival in Australia.
    Treatment of any pre-existing condition within the first 12 months of your arrival in Australia.
    Medicines not prescribed by a doctor or not listed on the Pharmaceutical Benefits Scheme.
    Hospital medical services for any treatment not listed on the Medicare Benefits Schedule.
    Medicines, or other treatments not prescribed by a doctor or not listed on the Pharmaceutical Benefits Scheme.

Free consultation

E&M Globals prides itself on operating on strong professional ethics and knowledge.

CONTACT NOW