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Australian Health Management, known as ahm, was founded in the 1970s and is now owned by Medibank. If you’re a student, read on to find out how ahm can meet your health cover visa requirements.
If you’re an overseas student studying in Australia, you’re likely to be here on a Student Visa (Subclass 500). If so, you’re required by the Australian Government to have adequate hospital and medical cover during your stay in Australia.
This applies to all overseas students, whether you’re applying for a student visa, have one already, or are on a bridging visa while you wait for your student visa to be extended. Your spouse and any children under 18 who are staying with you in Australia must also have health cover while they are here.
You can either buy your ahm OSHC health cover online before you arrive in Australia or buy it once you’re here. If you purchase your cover overseas, it will take effect from the date you arrive in Australia.
If you buy your ahm OSHC health cover after you arrive in Australia, your cover starts once your premium has been paid, unless you’ve nominated a later commencement date because you’re transferring from another health fund.
The reason the Department of Home Affairs (DHA) requires you to have health cover is because you won’t be covered by Medicare, Australia’s national health care program. So if you became ill or injured while in Australia, you’d have to pay your own hospital and medical bills. This might be very expensive, as treatment in a public hospital can cost as much as $2,500 a day.
ahm OSHC provides health insurance for singles, couples, families and single parents and covers the following:
If you choose to take out hospital cover with ahm, you’ll be covered for treatments including:
When considering if ahm could be the right choice for your OSHC, it’s important to weigh up the pros and cons. Here are some of the key features:
Pros
Cons
Claiming on your ahm OSHC is easy. ahm OSHC members can claim in the following ways:
If you have to cancel your OSHC policy, ahm will refund all of your premium if you don’t come to Australia to study or if you pay for an extended stay and your visa is not extended.
ahm will also refund the unused portion of your premium if:
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