OSHC is Overseas Student Health Cover for students studying in Australia. Your student visa requires you to have adequate health insurance in case you are ill or injured while in Australia and OSHC is the cover you need.
nib is one of Australia’s biggest health insurers. They have more than a million members in Australia and New Zealand and provide health insurance cover for over 130,000 international students and workers.
nib OSHC meets the Department of Immigration student visa requirements and provides Australia-wide cover for medical and hospital treatment plus emergency ambulance transport.
nib OSHC is for students studying in Australia on a Student Visa (subclass 500). If you have a spouse and dependent children under 18 staying with you in Australia, they must also have health cover while they are here.
nib OSHC covers singles (just you), couples (you and your partner) and families (if listed on your Student Visa). However, it does not cover extended family such as uncles, aunts, cousins or grandparents.
nib OSHC provides the following types of health cover;
OSHC does not cover ancillary treatments such as dental. If you want cover for this while you are in Australia, you can take out Extras cover with nib, which will cover you for general treatments such as dental, optical and physiotherapy.
If you require treatment for pregnancy during your stay in Australia, nib OSHC will cover 85% of the MBS fee for outpatient obstetrics services (outside of hospital) and 100% of inpatient obstetrics (in hospital). You will need to plan ahead though, as there is a 12-month waiting period on cover for pregnancy and birth-related services.
nib International Visitors First Choice Providers are doctors, specialists and medical centres who have agreements with nib. Using a First Choice Provider will ensure you minimise the amount that you pay.
Use the search tool on nib’s Find a Doctor page to locate a service provider near you and remember to take your nib Customer Card with you to your appointment.
nib has agreements with most of the private hospitals in Australia and attending one of these will help you to minimise the out-of-pocket expenses you might have to pay.
To find the nearest nib Agreement Private Hospital for your procedure, use the search tool on nib’s Find a Hospital page. Or give nib a call if you are unsure about whether you are covered.
If you attended an nib Agreement Private Hospital where your procedure is covered and your doctors agree to participate in nib MediGap, you may not receive any bills from the hospital. But if you do for any reason, there are two ways to claim;
If you have to cancel your OSHC policy, nib will provide you with a pro rata refund of your premium in the following circumstances;
Reasons to choose nib OSHC include:
Cons
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