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What to do when it’s not an emergency?

OSHCstudents – If you get sick, and it’s not an emergency, your general practitioner or ‘GP’ is often your first point of contact. Let’s take a look at how to find a GP, understand what a consultation can include, as well as what it might cost you.

Let’s start by breaking down what’s involved in a doctor visit, including making sure you’ve got the right GP for your needs, that you’re aware of the possible costs involved, and you have an idea of what to expect at your appointment or consultation.

Choosing a doctor

Your GP can play an important role in your health and care journey throughout life, so it’s worth taking the time to find one that you like. Some of the things you may want to consider include:

  • Finding someone you feel you can trust, so recommendations from friends and family can be helpful

  • The location of the doctor’s office (or practice)

  • Opening hours, such as extended weeknight, or even weekend hours

  • Your preferences, e.g. if you would prefer a male or female GP

Paying for your appointment

Who pays?

Under Medicare, all Australian citizens and permanent residents have access to free or subsidised healthcare.

In the case of a GP appointment, it might be covered in full (called bulk billing), or subsidised (private billing).

Bulk billed means the doctor will bill Medicare directly for the cost of your consultation, and there is no cost to you – except for some vaccines not covered by the MBS.

Privately billed means that you will need to pay for the total cost of your appointment upfront, and then claim a rebate from Medicare. Some GPs can process the claim for you but you will need to wait for Medicare to pay the rebate.

Operating as a private business, some GPs set their own fees based on what they believe is reasonable for their services. Some GPs follow the Australian Medical Association’s suggested fees for the cost of a GP consultation, which are higher than those on the Medicare Benefits Schedule(MBS). In this case there will be an out-of-pocket expense, or gap, that you pay even with the rebate from Medicare.

Find out more about the Medicare Benefits Schedule and what’s covered.

Paying for medical services outside hospital

When you’re investigating a health issue with your GP or a specialist doctor, you may need tests to identify or understand your condition. The costs of any tests may be on top of the fee you’re charged for your GP or specialist visit. It’s a good idea to ask your doctor about the cost of any test before getting it done.

Medicare may pay part of the cost of some medical services outside of hospital (including GP visits and tests).

It’s important to know that, by law, private health insurance doesn’t cover any medical services unless you’re admitted to hospital.

Getting the most out of your appointment

You often don’t have much time with your GP, so it’s best to be prepared to make the most of the appointment.

  • If you think you’ll need more time, make sure you book this with the receptionist before your appointment so you don’t feel rushed

  • It’s important that you ask your GP questions if you don’t understand any instructions, or feel uncomfortable with a recommended course of treatment

  • It can be helpful to take a friend or relative with you to your appointment, as they can think of questions you may forget

  • Take some notes before you go about your symptoms and experiences, and don’t be afraid to refer to them

Sometimes, your GP may decide your condition needs treatment they can’t provide, and may refer you to a specialist.

If that happens, it might be helpful for you to ask your GP:

  • Why a specialist is required

  • Whether there are other services that could support you, such as allied health providers like physiotherapy, psychology, or other health programs

If you decide to see a specialist, remember that you have the choice of which specialist you’d like to see. When your GP is writing you a referral, you’re entitled to ask to be referred to a specific specialist, or you can to ask for an open referral. An open referral means that you can choose any specialist you like.

You are international students or foreigners arrive to Australia, or Australian citizens traveling abroad who are 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

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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!

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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

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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

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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


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

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