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05 | 09 | 22
09 | 22

What is a Medical Gap Scheme, or Gap Cover?

OSHCstudents – ‘Gaps’ or ‘out-of-pocket costs’ are the difference between what you’re charged and what Medicare and your insurer (if you have one) will pay for your treatment. A Medical Gap Scheme or Gap Cover can help you reduce these fees.

Many health insurers make arrangements with specialists to reduce the ‘gap’ you pay in doctors’ fees. Remember, a ‘gap’ is the difference between what you’re charged, and what Medicare and your insurer pay for your treatment.

Some insurers call this a ‘Gap Scheme’, and others might call it something different like ‘Gap Cover’, or ‘MediGap’.

Where a specialist chooses to use your insurer’s medical gap scheme for your treatment, they agree only to charge up to a certain fee. Your insurer then pays a much higher amount than what they normally would, so that you pay less or nothing.

A specialist may be part of the scheme, but not use it for your treatment. They choose whether to use it for each course of treatment they provide.

If you have private health cover, contact your provider for a list of healthcare professionals with gap cover arrangements. If you’re treated by anyone on the list and they agree to participate, there’ll either be low or no medical gap cost involved.

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

OSHCstudents (source: Bupa)

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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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