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The Education Destination : Australia The Education Destination 2012
106 >AUSTRALIAN EDUCATION 2012 APPLICATIONS AND VISAS >HEALTH INSURANCE Student health insurance As part of your student visa requirement, you will need to have health insurance. This will help safeguard you in case of an illness or accident. Top: Student health insurance helps safeguard your health in case of illness or accident. Image: Tourism New South Wales OSHC Worldcare provides peace of mind and help when you need it most. Allianz Global Assistance is one of the leading suppliers of quality heath cover and assistance services for international students. We have been helping international students in Australia for over 11 years through the provision of our specialised product—OSHC Worldcare. Our strength is in providing services that are tailored to the needs of international students, in line with compliance requirements and government legislation. Through our OSHC Worldcare product we provide: • on-campus representatives to help you with any member enquiries • a dedicated website with information in multilingual formats and multi-media • an assistance line for you to call 24 hours, seven days a week • simple no-claim access to a network of doctors that won’t leave you out-of-pocket. To find out more visit our website: OSHC Worldcare oshcworldcare.com.au HELPFUL, MULTILINGUAL STAFF The health insurance organisations have friendly staff to assist you. They often have information on their websites in other languages and staff who speak a number of languages. Most of the organisations have a 24-hour helpline you can contact in case of a medical emergency. As an international student, you need Overseas Student Health Cover (OSHC) before you can apply for your visa. The Department of Immigration and Citizenship requires you to have OSHC for the whole time you are in Australia. OSHC helps cover medical and hospital treatment that you may need while studying in Australia, from a minor illness such as a cough to an overnight stay in hospital. Five organisations offer OSHC to students. Some institutions have agreements with a specific organisation. You may use that organisation or make your own choice. >OSHC Worldcare www.oshcworldcare.com.au >Australian Health Management OSHC www.ahm.com.au/7323/OSHC >BUPA Australia www.overseasstudenthealth.com >Medibank Private www.medibank.com.au/Overseas- Students/About-OSHC.aspx >NIB OSHC www.nib.com.au/home/newtonib/ overseasstudents On their websites, these organisations explain the medical and hospital services for which they provide full or part payment. The cost of OSHC ranges from around $110 for three months to $430 for a year. If you are coming to Australia with your dependent spouse or children, you can arrange health insurance for the whole family. The minimum period for OSHC is 12 months or the length of your visa, if this is shorter than a year. OSHC does not cover you for dental, optical or physiotherapy services. If you want to be covered for these treatments, you will need to buy additional private health insurance. For Australian citizens, the Medicare system provides health cover. However, it does not apply to international students. Without OSHC, you would have to pay the full cost of any medical expense or hospital stay. This could add up to thousands of dollars. EXCELLENT HEALTH SYSTEM Australia has an excellent health system of medical surgeries, specialist clinics, ambulance services, local hospitals, and large teaching and specialist hospitals. There are also thousands of dentists, optometrists, physiotherapists and other health-related practitioners. If you need to see a doctor (general practitioner), you will usually make an appointment at your local clinic. Some large universities have medical clinics on their campuses. When you need urgent treatment out of hours, you can go to a 24-hour clinic or an emergency department in a hospital. If you have a minor problem, you can talk to a pharmacist at your local chemist. You normally pay for the medical service and are then reimbursed by your OSHC provider. Alternatively you may be able to give your bill straight to your provider. Some providers have representatives on university campuses. ●
Australia The Education Destination 2011
Australia The Education Destination 2013