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Does OSHC cover pregnancy and maternity?

OSHCstudents-Overseas Student Health Cover (OSHC) in Australia does cover some aspects of pregnancy and maternity-related medical expenses, but there are important conditions and limitations to be aware of.
– Prenatal Care: OSHC covers antenatal care throughout your pregnancy. This includes consultations with a doctor (GP) or midwife and may encompass various tests, scans, or check-ups to monitor and address any potential issues during your pregnancy.
– Hospital Maternity Expenses: OSHC provides coverage for medical expenses related to maternity care during in-hospital treatments, whether it involves a spontaneous delivery or a cesarean birth.
– Postnatal Care: Your OSHC plan extends to cover post-birth treatments, infant care services, and expenses associated with immunization.
However, there are important things that you should consider:
– Waiting Period
OSHC policies typically have a waiting period for maternity coverage, which can be as long as 12 months. This means that you must have held your OSHC policy for the required waiting period before you can claim maternity-related expenses.
– Coverage Variations
The extent of coverage and the specific services covered can vary between OSHC providers and policies. It’s essential to carefully review the details of your policy to understand what is covered and what is not.
– Out-of-Pocket Expenses
Even with OSHC coverage, you may still have out-of-pocket expenses for certain aspects of pregnancy and maternity care. These expenses can vary based on your chosen healthcare providers and the specific treatments or services you receive.
– Additional Costs: Some OSHC policies may offer optional maternity coverage at an additional cost. If you anticipate needing extensive maternity services, consider discussing these options with your OSHC provider.
To ensure you have the right level of coverage for your pregnancy and maternity needs, it’s crucial to review your OSHC policy details. Additionally, always keep in mind the waiting period and any associated costs that may apply.
If you are international students, foreigners arriving in Australia, or Australian citizens traveling abroad looking for OSHC, OVHC, or travel insurance, please contact the OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.
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Baek Ah Yeon

I trust Allianz Care since it is one of the largest insurance companies in Australia, with the medical centres where I only have to pay for what is left from insurance support. (no need to claim later). Besides, those centres are located at the centre of the city, close to schools. Very convenient, right? Credits to Allianz Care for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

Ariella Pei

I’ve been living with homestay family for 2 years. I’m now 19, I can move out but I don’t want to leave my host, who has become my family. It feels like I’ve met my second family. Thanks OSHCstudents for sending me to this homestay!

Ariella Pei | University of Canberra

Chatchawat Paton

I realised how important insurance was when I started living in Australia. There I switched to using Allianz Care instead of the previous service. Allianz Care is extraordinarily good in its consulting service and customer care. I’ve learned a lot about Australian health care, also I was consulted with mental issues and how to live a healthy lifestyle. I am very happy now.

Chatchawat Paton | Torrent University

Xiaoyu Cheng

Thanks to Allianz Care, every time I claimed my medical receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz Care is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University

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