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Frequently Asked Questions – International Student Healthcare

OSHC Students – International students often have questions about healthcare in Australia and their health insurance. Below we have answered some of the most frequently asked ones.

WHAT IS MEDICARE?

Medicare provides Australian residents with access to a range of medical services, free care in public hospitals and reduced cost prescriptions.

AM I COVERED BY MEDICARE?

Most international students in Australia must have Overseas Student Health Cover (OSHC) to cover the entire period of their stay.

OSHC is a health insurance (health cover) designed to help international students to cover the costs of medical and hospital treatment international students

WHAT IS OVERSEAS STUDENT HEALTH COVER (OSHC)?

OSHC is health cover that you are required to have as an international student in Australia and must cover the length of your stay. This would have been organised when you arranged your visa. OSHC covers in-hospital and out-of-hospital medical assistance, prescription medications and emergency ambulance assistance. Make sure you know the extent of your cover to avoid any unwanted charges.

Read more: Arranging Overseas Student Health Cover

WHAT DO I NEED TO KNOW ABOUT AUSTRALIAN HOSPITALS?

If you are feeling sick then visit a doctor at a local medical centre first. This is the cheapest upfront option and you may be able to claim from your health provider.

Hospitals are for emergency situations – either life-threatening or an injury/illness that is getting worse quickly. If you need to visit a public hospital then call your health cover provider as the hospital may charge you a fee.

WHAT SHOULD I DO WHEN MEDICAL CLINICS ARE CLOSED?

Very few medical clinics are open seven days or have 24-hour services (and those that do can be expensive). If you need a medical certificate or you have a minor illness, wait until the doctor’s offices are open. You can also ring Healthdirect Australia to get advice on treating non-life-threatening illnesses.

Hospitals are for emergency situations – either life-threatening or an injury/illness that is getting worse quickly

WHAT SHOULD I DO IF I AM HAVING MENTAL HEALTH STRUGGLES?

Remember to take time out for yourself. If things seem too hard, talk to friends and family. Universities and colleges often have counselling services or you can use free services Beyond Blue and Lifeline. Make sure you talk to someone as soon as you feel like things are getting too hard to handle.

WHAT SHOULD I DO IF I HAVE A COMPLAINT ABOUT MY OSHC PROVIDER?

If you face a situation where you feel like you’re being taken advantage of or unfairly treated in regards to your OSHC, you can contact the Private Health Insurance Ombudsman (PHIO). It’s a free service designed to help you out of trouble!

WHAT SHOULD I KNOW ABOUT SEXUAL HEALTH?

Sexual health is one topic that you should make sure that you are an expert. Read all about it at Health Direct, talk to your GP or visit your local sexual health clinic in your city.

You can get contraceptive medications and devices very easily and cheaply in Australia. Condoms are available from supermarkets and pharmacies.

Emergency contraceptives are available from pharmacies without a prescription and need to be taken within 72 hours for the most effective result.

I’M PREGNANT AND I DON’T KNOW WHAT I SHOULD DO?

Speak to a doctor if you believe that you may be pregnant (i.e missing your period or a positive home test). This can be either a GP or specialist family planning/sexual health practitioner.

Counselling is available from organisations like Family Planning Alliance Australia to support you through what can be a difficult time and help you understand all your options. Also, your institution should have counsellors available that can be of assistance with a great number of issues.

Pregnancy-related care is often not covered by OSHC for the first 12 months of the cover. Additional private health insurance can be taken out to help you cover the costs, which can be quite expensive.

Have a question?
We are just a call away +61 2 8123 0900
We could also be contacted at info@oshcstudents.com to assist you with any of your OSHC enquiries.

FAQS OSHC => Click here

Emma (OSHCstudents) – According to insiderguides.com.au

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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

OSHCstudents Services

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