Q: What is OSHC insurance?
A: OSHC, or Overseas Student Health Cover, is a specialized health insurance designed specifically for international students studying in Australia. It provides coverage for medical treatments and hospitalization during the duration of the student’s visa.
Q: Who needs to purchase OSHC insurance?
A: All international students applying for a student visa in Australia are required to purchase OSHC insurance. It’s a mandatory requirement for the entire duration of their stay in Australia.
Q: What does OSHC insurance cover?
A: OSHC insurance typically covers medical consultations, hospital stays, prescription medicines, ambulance services, and limited dental and optical services. However, coverage may vary depending on the provider and the level of insurance purchased.
Q: How can I purchase OSHC insurance?
A: OSHC insurance can be conveniently purchased online through various approved providers. Additionally, many universities in Australia offer assistance with purchasing OSHC insurance during the enrollment process.
Q: How much does OSHC insurance cost?
A: The cost of OSHC insurance varies based on factors such as the duration of the student’s visa, the level of coverage selected, and the insurance provider. Costs typically range from a few hundred to over a thousand Australian dollars per year.
Q: Can I choose my OSHC insurance provider?
A: Yes, international students have the flexibility to choose their OSHC insurance provider from a list of approved insurers. It’s important to compare coverage, cost, and benefits offered by different providers before making a decision.
Q: What happens if my OSHC insurance expires?
A: It’s crucial to ensure that your OSHC insurance remains valid for the entire duration of your student visa in Australia. If your OSHC insurance expires, you won’t be covered for any medical expenses, which could affect your visa status. Renewing your OSHC insurance before it expires is recommended to avoid any disruptions in coverage.
Q: Can I upgrade or change my OSHC insurance policy?
A: Yes, international students have the option to upgrade or change their OSHC insurance policy if needed. However, any changes or upgrades should comply with visa requirements and be approved by the Department of Home Affairs in Australia.
Q: Can I get a refund if I cancel my OSHC insurance?
A: In some cases, students may be eligible for a refund if they cancel their OSHC insurance. However, refund policies vary depending on the insurance provider and the circumstances of cancellation. It’s essential to review the terms and conditions of your policy regarding cancellations and refunds.
