OSHC STUDENTS

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HCC StudentSecure Benefits and Limits

Benefit Elite Select Budget Smart
Savings for paying full premium in advance
Meets J-1 visa requirements
Overall Maximum Benefit $5,000,000 $600,000 $500,000 $200,000
Maximum Benefit Per Injury or Illness $500,000 $300,000 $250,000 $100,000
Deductible (except Emergency Room) $25 per injury or illness $35 per injury or illness $45 per injury or illness $50 per injury or illness
Emergency Room Deductible

(claims incurred in the U.S. only)

$100 for treatment received in an emergency room $200 for treatment received in an emergency room $350 for treatment received in an emergency room $350 for treatment received in an emergency room
Coinsurance – claims incurred inside U.S. Within the PPO: We will pay 100% of eligible expenses, after the deductible, up to the overall maximum limit.

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Within the PPO: We will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to the overall maximum limit.

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Within the PPO: We will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to the overall maximum limit.

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Within the PPO: We will pay 80% of eligible expenses after the deductible up to the overall maximum limit.

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Coinsurance – claims incurred outside of U.S. After the deductible, 100% of eligible expenses to the certificate period maximum. After the deductible, 100% of eligible expenses to the certificate period maximum. After the deductible, 100% of eligible expenses to the certificate period maximum. After the deductible, 100% of eligible expenses to the certificate period maximum.
*Pre-existing Condition Coverage 6-month waiting period 6-month waiting period 12-month waiting period No coverage
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses
Intensive Care Unit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
Hospital Room & Board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
Outpatient Treatment Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
Local Ambulance (not subject to coinsurance) Up to $750 per injury / illness if hospitalized as inpatient Up to $750 per injury / illness if hospitalized as inpatient Up to $500 per injury / illness if hospitalized as inpatient Up to $300 per injury / illness if hospitalized as inpatient
Outpatient Prescription Drugs Generic Drugs: 100% coinsurance.

Brand Name Drugs: 50% coinsurance.

Specialty Drugs: No coverage.

(not subject to deductible)

50% of actual charge (not subject to deductible or coinsurance) 50% of actual charge  (not subject to deductible or coinsurance) 50% of actual charge  (not subject to deductible or coinsurance)
Vaccinations Up to $150.

Covered vaccinations and testing are:

Measles, Mumps, Rubella (MMR); Tetanus/Diphtheria/Pertussis (TDAP); Chicken Pox (Varicella); Hepatitis B; and Meningitis (Meningococcal MCV4 and B)

(not subject to deductible or coinsurance)

No coverage No coverage No coverage
Maternity Care for Covered Pregnancy Up to $25,000 Up to $10,000 Up to $5,000 No coverage
Nursery Care of Newborn Up to $750 Up to $750 Up to $250 No coverage
Sports & Activities – Leisure, Recreational, Entertainment, or Fitness Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider Up to $5,000 maximum per injury or illness; medical expenses only Up to $5,000 maximum per injury or illness; medical expenses only Up to $3,000 maximum per injury or illness; medical expenses only No coverage
Mental Health Disorders

(treatment must not be provided at a student health center)

Outpatient: Maximum of 30 visits.

Inpatient: Maximum of 30 days.

Outpatient: Maximum of 30 visits.

Inpatient: Maximum of 30 days.

Outpatient: Maximum of 30 visits.

Inpatient: Maximum of 30 days.

Outpatient: $50 maximum per day, $500 maximum.

Inpatient: Up to $5,000.

Outpatient Physical Therapy & Chiropractic Care

(Not subject to coinsurance. Must be ordered in advance by a physician and not obtained at a student health center.)

Up to $75 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $25 per visit per day
Dental treatment due to accident

(not subject to coinsurance)

Up to $250 maximum per tooth; $500 maximum per certificate period. Up to $250 maximum per tooth; $500 maximum per certificate period. Up to $250 maximum per tooth; $500 maximum per certificate period. Up to $250 maximum per tooth; $500 maximum per certificate period.
Emergency dental – acute onset of pain

(not subject to coinsurance)

Up to $100. Up to $100. Up to $100. Up to $100.
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only Up to $50,000 lifetime maximum, eligible medical expenses only Up to $50,000 lifetime maximum, eligible medical expenses only No coverage
Emergency Medical Evacuation

(not subject to deductible, coinsurance, or overall maximum limit)
Up to $500,000 lifetime maximum Up to $300,000 lifetime maximum Up to $250,000 lifetime maximum Up to $50,000 lifetime maximum
Repatriation of Remains

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Accidental Death and Dismemberment (AD&D)

(not subject to deductible, coinsurance, or overall maximum limit)

Lifetime Maximum – $25,000

Death – $25,000

Loss of 2 Limbs – $25,000

Loss of 1 Limb – $12,500

Optional AD&D Rider: Additional $25,000 lifetime maximum

Lifetime Maximum – $25,000

Death – $25,000

Loss of 2 Limbs – $25,000

Loss of 1 Limb – $12,500

Optional AD&D Rider: Additional $25,000 lifetime maximum

No coverage No coverage
Emergency Reunion

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $5,000, subject to a maximum of 15 days Up to $5,000, subject to a maximum of 15 days Up to $1,000, subject to a maximum of 15 days Up to $1,000, subject to a maximum of 15 days
Personal Liability

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $250,000 lifetime maximum.

Up to $250,000 third person injury or property.

Up to $2,500 related third person property.

No coverage No coverage No coverage
Optional Crisis Response Rider – Ransom, Personal Belongings, and Crisis Response Fees and Expenses

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $100,000 Up to $100,000 No coverage No coverage

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OSHCstudents always offers you the best possible advices. Please do not hesitate to contact us via email info@oshcstudents.com or fanpage https://www.facebook.com/OSHCstudents.annalink
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

Phuong Anh

Having lived in Australia for 2 years, I’ve been reliant on AHM OSHC to pay for my health care, which supports me for other expenses. Last year, I sent my claim requests for several times and always received the claims within two days. Everything is easy, fast and simple.

Phuong Anh | Victoria 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

Emma

My homestay was very comfortable and convenient. My host was really kind. He showed me where to shop, which buses to catch, where the nearest train station is, to get off at which station so that I wouldn’t be taken to another suburb. Travelling was easy since the place was close to public transports. It only took 30 minutes to get to my college, actually I could go anywhere easily!

Emma | Macquarie University

Jing Zhang

When told that I was going to live with an Italian family, I was pretty nervous and doubted whether or not they could speak English well as the local people? Yet it was no longer a problem when I saw them. They knew the problems of people who first came to Australia and always tried to help me. I learned so many things about both Australian and Italian culture and enjoyed tasty Italian meals every time. Awesome!

Jing Zhang | Griffith University

OSHCstudents Services

Partners

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Providers

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