Health Cover Terms (Especially for OSHC & OVHC)

‍

5. Waiting Period

• What it is: A fixed time you must wait after your policy starts before certain benefits become claimable.
• Why it matters: Some services (like pregnancy or pre-existing conditions) might not be covered right away.

6. Pre-existing Condition

• What it is: A health issue you had before your policy started - including symptoms or diagnosis.
• Why it matters: Often comes with longer waiting periods or exclusions in your policy.

7. Inpatient vs. Outpatient

• Inpatient: You’re admitted to a hospital.
• Outpatient: You get treated without needing to stay overnight.
• Why it matters: Not all policies cover both - check what's included.

8. Extras / Ancillary Cover

• What it is: Add-ons that include dental, optical, physio, etc.
• Why it matters: OSHC/OVHC plans usually don't include extras unless you specifically add them.

9. Co-payment (or Gap Fee)

• What it is: The amount you may need to pay out of pocket even if the service is covered.
• Why it matters: Some doctors bulk bill (meaning no extra charge), but many will require a co-payment.

10. General Practitioner (GP)

• What it is: A regular doctor you see for everyday health issues.
• Why it matters: Most policies cover GP visits, but limits and fees vary.

11. Emergency Ambulance Cover

• What it is: Covers the cost of emergency ambulance services.
• Why it matters: Ambulance fees in Australia are expensive - make sure you’re covered.

12. Claim

• What it is: When you use your insurance to request a reimbursement or payment.
• Why it matters: Understanding how to file claims saves you time and stress later.

OSHC vs. OVHC: What’s the Difference?

• OSHC (Overseas Student Health Cover): For international students. It helps cover GP visits, hospital stays, and emergency services while you study in Australia.
• OVHC (Overseas Visitor Health Cover): For visitors, workers, or dependents on temporary visas. It offers similar benefits but is tailored to different visa types.

Both help you meet visa requirements and ensure you’re protected in case of illness or injury while in Australia.

‍

Tip: Use GetMyPolicy for Easy Comparison

GetMyPolicy.online makes it easy to compare and buy OSHC or OVHC policies from top providers. Whether you’re here to study or work, you can:

• Instantly view plan options
• Compare costs and benefits
• Choose the one that best suits your visa and lifestyle

‍

Final Thoughts

The more you understand your insurance, the better decisions you can make - and the more confident you’ll feel when you need medical care.

Bookmark this page or share it with someone preparing their move to Australia. And if you're ready to explore your health cover options, start at GetMyPolicy.online - because the right cover should be simple to find.

‍