OSHC STUDENTS

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What should you know about MBS and PBS term ?

OSHCstudents – If you’re seeking health insurance for an Australian visa and want to understand how your coverage addresses medical and pharmacy expenses, it’s important to familiarize yourself with the Medicare Benefits Schedule (MBS) and the Pharmaceutical Benefits Scheme (PBS). Here are explanations about these two terms.

1. What is MBS?

The Medicare Benefits Schedule (MBS) is a list of medical services (e.g. a standard consultation with a GP or having surgery in a hospital) subsided by the Australian Government with a fee (known as a ‘Schedule fee’) payable for each item.
The Schedule fee is the amount the government considers appropriate for one of these services and determines the amount that Australians receive when they claim a medical service through Medicare.

2. What is PBS?

 The Pharmaceutical Benefits Scheme (PBS) Schedule lists all of the medicines available to be dispensed to patients at a Government-subsidised price. The Schedule is part of the wider Pharmaceutical Benefits Scheme managed by the Department of Health and administered by Services Australia.
This schedule is now online and updated monthly. This online searchable version contains:
  • All of the drugs listed on the PBS Information on the conditions of use for the prescribing of PBS medicines
  • Detailed consumer information for medicines that have been prescribed by your doctor or dentist;
  • What you can expect to pay for medicines.
If you are international student, a foreigner arriving in Australia, or Australian citizen 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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When will OSHC be refunded?

OSHCstudents - The refund process for Overseas Student Health Cover (OSHC) varies depending on the circumstances and the policies of the specific OSHC provider. Generally, OSHC premiums are refunded in the following situations.
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

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