The coverage purchase will depends on whether the student is still single, married or has a family. Please purchase a policy that isappropriate to your needs to avoid future insurance.
MEMBERSHIP CARD AND POLICY
Once the OSHC is purchased, the provider will issue a membership card or policy number. Students are advised to keep these in-hand as you will need to present this to your medical practitioner each time you seek medical attention. Students are advised to obtain their details from their university and to share a copy of the membership policy or card with the EAUC.
DURATION OF OSHC
Students are advised to get health coverage for the entire duration of their scholarship stay or visa grant. Additionally, a student may also need to pay for additional coverage if a program extension is required.
OSHC REIMBURSEMENT
However in the event that the student need to cut short his / her studies, then the student may contact the OSHC provider for a reimbursement.
SERVICES NOT COVERED
Students may need to do an in-depth research into what the different OSHC providers offers and what services are not covered. In general, for example some services are not covered such as:
- Physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services.
- Medications, drugs or other treatments not prescribed by a doctor or not included in the Pharmaceutical Benefits Schedule.
- Costs associated with dental treatment, unless the services provided meet the requirements of the Medicare Benefits Schedule.
- Optical charges.
- Co-payment and/or gap payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee.
- Service fees charged by a doctor or hospital which are not included in the benefits covered under your policy.
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