Savvy Ways to Compare & Buy the Most Suitable OSHC Policy

Imagine, you are studying in Australia in a reputed university and then one fine day you need to call your parents saying that you cannot continue your stay in the country.
 
Something unfortunate happened. Your health took a debacle and you had to get treated in Australia, but your health insurance (OSHC policy) did not cover you for the expenses. Or you failed to renew and extend your OSHC and thereby got your visa cancelled by the immigration department for breaching 8501 visa condition.

What if you have to deal with the same situation while you study in Australia?

You’ll be devastated! Won’t you? As there was so much of hard work done to get the opportunity of studying overseas.

But the good news is, you can take precautions and avoid facing such consequences.

Most of the times, international students end up regretting with their OSHC plan as they either:
 
  • Buy it in a hurry
  • Buy just by relying on family or friends’ recommendation or
  • Buy the one by focusing solely on low-cost
If you are one among the students, planning to purchase overseas student health cover to meet requirements of student visa, all you need to do is to look for the most suitable plan and spend wisely on it.
 

So, What Defines a Suitable OSHC plan?

A suitable OSHC plan is nothing but the one that covers all your needs and provide you with peace of mind knowing that you are financially protected for the entire duration of your stay in Australia at the time of medical emergencies.

And how will you ensure that the plan you selected is perfect for you?

Keep reading to find out!

Compare Policies of Different OSHC Providers

When it comes to choosing the best overseas health insurance plan, we often get intimidated by a wide range of options available. Sometimes we end up buying a plan which costs less but doesn’t offer comprehensive coverage or we pay substantial premiums only to realise later that we never required frills in our plan.

So, before zeroing in on one, it is imperative to compare Overseas student health insurance policies from leading providers to make sure of getting the adequate level of coverage during emergencies.

Execute a quote on www.getmypolicy.online to get feature by feature comparison across all OSHC provider. Here, you can get specific insights on coverage patterns when it comes to Public and Private hospital treatments, Out of Hospital coverage for pathology, GP services and specialist requirements such as MRI scans.

You can also learn about applicable waiting periods and refund clauses through the comparison tool on our site.
 

Compare their Services

A common factor that all OSHC providers have is they offer additional services or features in their plans. The difference however is they may not be equal in how they perform or what they may cover.

For instance, some insurance providers have a designated OSHC app that helps their members to:

  • Submit and process claims easily and quickly
  • Find the nearest doctors
  • Access membership card with policy details anytime
  • Get local emergency numbers, etc.
While some OSHC providers have home doctor services and on-campus support services added in their plans. To get an idea how you can compare such services, you can refer to the table given below:
 

Service Features

Bupa

Medibank

AHM

Allianz

NIB

On Campus Support

No

Yes

No

Yes

Yes

Large network of qualified medical providers

Yes

Yes

Yes

Yes

Yes

Home Doctor service

Yes

No

No

Yes

No

24/7 OSHC help line (interpreter services in a variety of languages)

Yes

Yes

Yes

Yes

Yes

OSHC app to submit claims

No

Yes

No

Yes

Yes

Dedicated OSHC website with resources

No

No

Yes

Yes

No

Emergency assistance (Doctors on demand)

No

No

No

Yes

No

Single parent cover

No

Yes

Yes

Yes

No

Online services to manage membership

Yes

Yes

Yes

Yes

Yes

Membership discounts towards other services

Yes

No

No

No

No

Now that you know how comparison helps you to land on a policy that’s right for you, are you looking for a resource that can help you run such quote or service comparison quickly?  Visit www.getmypolicy.online now & start comparing plans by leading health insurance providers to make a right decision.

For further assistance, you can also drop us an email at support@getmypolicy.online and get best solutions immediately.
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