banner image
17 | 08 | 23
08 | 23

What do you know about medical gap fees?

OSHCstudents-If you are living in Australia, Hospital bills like gap fees can be a real pain. Therefore, it’s good to know there are ways to lower the chance of getting surprised by unexpected gap fees after seeing the doctor.

What is the medical gap fee?

The gap fee is the difference between the fees charged by the hospital and doctors for your hospital stay, and the amount covered by Medicare and your private health insurer. It is the amount you have to pay for your treatment. It is sometimes called your out-of-pocket expenses.

You may incur an out-of-pocket if the amount a medical provider charges is more than the benefit you’re entitled to under your cover. Depending on your level of coverage, you may be entitled to claim 85% to 100% of the Medicare Benefits Schedule (MBS).

Australia’s public healthcare system

In Australia, healthcare is made of a mixture of services funded by the Australian Government and private health insurance. Australian residents are automatically covered for many hospital and medical costs under the Government’s Medicare scheme, but many Australians choose to take out additional cover through the private healthcare system.

Medicare covers areas of the medical, hospital, and pharmaceutical costs, but doesn’t cover medical services like private hospital costs, dental, physiotherapy, and similar services, emergency ambulance assistance, or other transport to the hospital. The benefits you get when you have OSHC or OVHC are similar to the cover Australians get through Medicare.

You are international students, foreigners arrive to Australia and Australian citizens traveling abroad are looking at OSHC, OVHC, travel insurance, please contact OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.

OSHCstudents Team

News related

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


  • PTE Platform
  • Inus
  • Flywire
  • Imagine Education Australia
  • Shorelight
  • Opera City English College


  • King Education
  • North Sydney College English
  • NIB
  • HCC
  • Global Experience
  • Bupa
  • Vodafone
  • OVHC Iman
  • Allianz
  • Medibank
  • AHM