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What should you consider when purchasing OSHC insurance?

OSHCstudents-What should you consider when purchasing OSHC insurance? Here are a few additional points to consider when purchasing OSHC insurance.

Pre-existing conditions:

Some OSHC policies may exclude coverage for pre-existing medical conditions. It’s essential to understand the terms regarding pre-existing conditions and whether any exclusions apply to your policy.

Family coverage:

If you’re traveling with family members, such as a spouse or children, you may be able to purchase family coverage under the same OSHC policy. Be sure to inquire about family coverage options and any associated costs.

Claim procedures:

Familiarize yourself with the procedures for making claims under your OSHC policy. This includes understanding what documentation is required, how to submit claims, and the processing times for reimbursement.

Additional benefits:

Some OSHC policies may offer additional benefits beyond the basic coverage, such as access to telehealth services, mental health support, or coverage for alternative therapies. Explore these additional benefits to determine if they align with your needs.

Policy renewal:

Be aware of the renewal process for your OSHC policy and ensure that you renew it before it expires to maintain continuous coverage. Missing the renewal deadline could result in a lapse of coverage and potential visa implications.

Coverage limitations:

While OSHC insurance provides essential coverage for medical expenses, it’s essential to understand any limitations or exclusions in your policy. This may include coverage limits for specific treatments, waiting periods for certain services, or exclusions for certain activities or sports.

Visa compliance:

Maintaining valid OSHC insurance is not only a health and financial necessity but also a requirement for compliance with your student visa conditions. Failure to maintain adequate OSHC coverage could result in visa cancellation or refusal of future visa applications.

Customer support:

Choose an OSHC provider that offers reliable customer support and assistance. This includes access to a dedicated helpline, online chat support, or assistance with navigating the insurance claims process.
If you are international students, foreigners arriving in Australia, or Australian citizens traveling abroad looking for OSHC, OVHC, travel insurance, please contact Annalink team at email: info@oshcstudents.com and our partners for further information and assistance.
OSHCstudents Team

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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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