- Doctor visits
- Specialist services
- Medical treatment at hospital
- Public hospital
- Private hospital
- Emergency ambulance
- Prescription medication
OSHC providers pay for the following services but please remember it is important that you should contact us prior to any major treatments, especially staying in the hospital.
Doctors*: We pay 100% of the Medicare Benefits Schedule fee (MBS Fee) for General Practitioners’standard consultations (doctors may charge above the MBS Fee) and 85% of the MBS Fee for other out-of-hospital services.
Hospitals*: Including accommodation, operating theatre, day services, emergency and accident services, outpatient medical and post operative services.
Prescription Medicines*: You pay a set amount towards the cost (PBS amount) and we pay the rest, up to a maximum of $50 per item to a maximum of $300 for a single membership ($600 family). As an overseas student, you may face significant out of pocket costs if you need treatment with “high cost” pharmaceuticals, particularly oncology (cancer) treatment.
Pathology and X-rays*: We pay 85% of the MBS Fee for out-of-hospital services or 100% of the MBS Fee for in-hospital services.
Emergency ambulance transport*: We cover 100% of the cost of emergency transportation in an ambulance.
Prosthetic devices: We cover the full cost of any No Gap prostheses and the minimum benefit for Gap permitted prostheses. Surgically implanted prostheses could include, for example, stents for coronary arteries, artificial hips/knees or titanium plates/screws for reconstructions & bone breaks.
Waiting periods may apply
Waiting periods apply for pre-existing conditions. That is, an ailment, illness or condition which either you or one of your dependants have, the signs or symptoms of which, in the opinion of a Medical Practitioner appointed by OSHC providers, existed at any time in the 6 month period before you or your dependant arrived in Australia. For pre-existing medical conditions and pregnancy related services including childbirth there is a waiting period of 12 months. That means you won’t be covered for these conditions until the waiting period is over. For a pre-existing condition of a psychiatric nature, there is a waiting period of 2 months.