考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。
考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。
考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。先前存在的疾病、牙科、光学或物理治疗。对于这些服务,您可能需要额外的私人健康保险。
考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。
考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。
考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。
考虑住院时间、健康需求和预算等因素。比较不同的计划并仔细阅读保单详情。
通过GetMyPolicy成功购买保单后,您将通过WhatsApp收到一个独特的推荐链接。
您可以与计划购买的朋友、家人或同事分享此链接 OSHC 或 OVHC 政策 在澳大利亚。
每当有人使用你的推荐链接购买保单时,你都会收到 20 美元 GiftPay 卡 作为奖励。🎁 没有限制-你推荐的越多,你赚的越多!
澳大利亚政府要求持学生签证(500类)的国际学生在签证的整个有效期内持有OSHC。该要求也适用于签证中包含的任何受抚养家庭成员。子类 500)被澳大利亚政府要求在其签证的整个有效期内持有OSHC。该要求也适用于签证中包含的任何受抚养家庭成员。
OSHC 通常包括:
• 全科医生和专科医生咨询
• 医院住宿和手术
• 紧急救护车运输
• 处方药(带上限)某些保单可能包括额外福利,例如有限的牙科、眼科和物理治疗。处方药 (带帽子)
一些保单可能包括额外福利,例如有限的牙科、眼科和物理治疗。
先前存在的疾病是指在保单开始日期之前的六个月内存在体征或症状的疾病或医疗问题。对于这些情况,OSHC的政策通常规定等待期(通常为12个月)才能申请治疗。某些服务(例如全科医生就诊、精神科/紧急治疗)的等待时间可能更短或没有。
OSHC应从规定的保险日期(通常是签证开始日期或抵达日期)开始。如果您在抵达前付款,保险可能会在抵达时开始。当签证到期或取消时,或者当您离开澳大利亚时,保险将终止。
是的,许多提供商允许转移OSHC。如果保险没有间隔(通常定义为≤30天),则已经到期的等待期可能会计入新保单。等待期 已经缴纳的款项可计入新保单。
OSHC通常预付(整个签证期限)或分期付款。付款方式包括信用卡/借记卡和电汇。一些提供商可能允许分期付款,请查看具体政策。
如果保单失效或被取消,您可能违反了签证条件,在没有OSHC期间产生的医疗费用必须由您承担。您可能还需要为过期支付保费。
OSHC 不承保OSHC 不包括:
• 非紧急救护车旅行
• 牙科、光学或物理治疗(除非选择其他疗法)
• 初始等待期内已存在的病症
• 选择性手术或整容手术
• 在澳大利亚境外提供的服务
是的,如果您的签证包括受抚养人(配偶、事实上的伴侣、18岁以下的子女),那么您可以在OSHC下购买家人、夫妻或单亲家庭保险。这些成员必须在签证上列出。
OSHC可能包括一些产科服务,但等待期和条件适用。请向您的保险公司查询详细信息和资格。
在学生签证到期之前购买OVHC,以确保持续的健康保险。许多提供商提供平稳过渡选项。
大多数保险公司都提供数字卡。与他们联系以更换丢失的实体卡或访问您的数字版本。数字卡。与他们联系以更换丢失的实体卡或访问您的数字版本。
查看保单,了解病理学、诊断成像和住院/门诊医疗保险的详细信息。
Yes, OSHC is mandatory for most international students on a student visa. It’s a visa requirement to help ensure students can access healthcare without facing significant financial hardship.
OSHC is a type of health insurance designed for international students in Australia. It helps cover the costs of medical and hospital care that you might need while studying in Australia.
OSHC usually does not cover pre-existing conditions, dental, optical, or physiotherapy. For these services, you might need additional private health insurance.
Can I choose my overseas student health coverage provider?
You can purchase overseas student health coverage through your educational institution or directly from a health insurance provider. Some agents also offer OSHC services.
Yes, you are allowed to change your Overseas Student Health Cover provider. However, make sure there is no gap in your coverage when switching.
To use your Overseas Student Health Cover, you typically need to show your insurance card at medical centres or hospitals. Some providers also offer direct billing.
Once you successfully purchase a policy through GetMyPolicy, you’ll receive a unique referral link via WhatsApp.
You can share this link with your friends, family or colleagues who are planning to buy an OSHC or OVHC policy in Australia.
Whenever someone uses your referral link to purchase a policy, you’ll receive a $20 GiftPay Card as a reward. 🎁There’s no limit - the more you refer, the more you earn!
International students on a Student Visa (subclass 500) are required by the Australian Government to hold OSHC for the full duration of their visa. The requirement also applies to any dependent family members included in the visa.
OSHC generally covers:
• GP and specialist doctor consultations
• Hospital accommodation & surgery
• Emergency ambulance transport
• Prescription medicines (with caps)
Some policies may include extra benefits like limited dental, optical, and physiotherapy.
A pre-existing condition is an illness or medical issue where signs or symptoms existed in the six months before the policy’s start date. For these conditions, OSHC policies usually impose a waiting period (often 12 months) before treatment can be claimed. Some services (e.g. GP visits, psychiatric/emergency treatment) may have shorter or no waiting period.
OSHC should begin from the date stated for cover (often visa start or arrival date). If you pay before arrival, cover may begin on arrival. Coverage ends when the visa expires or is cancelled, or when you leave Australia.
Yes, many providers allow transferring OSHC. If there is no gap in coverage (often defined as ≤ 30 days), waiting periods already served may be credited to the new policy.
OSHC is usually paid upfront (for the full visa duration) or in large instalments. Payment methods include credit/debit cards and wire transfers. Some providers may allow instalments check the specific policy.
If the policy lapses or is cancelled, you may be in breach of your visa condition, and medical costs incurred during the period without OSHC must be borne by you. You may also need to back-pay premiums for the lapse.
OSHC does not cover:
• Non-emergency ambulance trips
• Dental, optical or physiotherapy (unless extras selected)
• Pre-existing conditions within initial waiting periods
• Elective or cosmetic surgery
• Services provided outside Australia
Yes, if your visa includes dependents (spouse, de facto partner, children under 18), you can have family, couple, or sole-parent family cover under OSHC. These members must be listed on the visa.
OSHC may include some maternity services, but waiting periods and conditions apply. Check with your insurer for details and eligibility.
Buy OVHC before your student visa ends to ensure continuous health insurance. Many providers offer smooth transition options.
Most insurers provide digital cards. Contact them to replace a lost physical card or access your digital version.
Check the policy for details on coverage for pathology, diagnostic imaging, and inpatient/outpatient medical care.
Yes, if your study program is extended or changed, you may need to extend the start or end dates of your OSHC to remain compliant with your visa. It’s important to do this before the original policy ends to avoid a coverage gap.
Your OSHC covers you while you’re in Australia, regardless of state or territory (e.g., NSW, WA, QLD, ACT), so interstate travel is fine. But if you travel overseas (including returning home temporarily) and receive treatment there, those costs generally won’t be covered.
When your visa subclass changes, your health insurance requirements may change as well. For example, moving from OSHC (student cover) to a more appropriate cover, such as OVHC, for working/visitor visas. You’ll need to check the conditions of your new visa and ensure you hold the correct cover with no gaps.
If you arrive after the policy’s start date, your coverage may begin on your actual arrival date, not the original start date. You should notify your insurer or GetMyPolicy so they can adjust the cover and ensure you remain compliant.