Overseas Student Health Cover (OSHC)
It is a requirement of your student visa to have 'Overseas Student Health Cover' (OSHC) for the entire period of your student visa. Martin College will arrange OSHC for you for this duration.
The OSHC for the duration of your visa will be indicated and payable with the initial tuition fee. Allianz Global Assistance is the health insurance company that will provide you with your OSHC if you let Martin College organise OSHC on your behalf.
What OSHC includes:
- Medical and Hospital Benefits
- In the event of medical treatment being required by you and occurring during the period of cover, Allianz Global Assistance will pay benefits for the following:
| Service |
Benefit per service |
| Out of hospital medical services |
|
Medical services provided by most General Practitioner Services
|
Benefit amount as listed in the Medicare Benefits Schedule (MBS) 100% of the MBS fee*
|
|
All other Medical services such as pathology and radiology (including specialists)
|
Benefit amount as listed in the Medicare Benefits Schedule (MBS) 85% of the MBS fee*
|
| In hospital medical services |
|
Medical services provided in hospital
|
100% of the Medicare Benefits Schedule fee
|
|
Public hospital - admitted patient in shared ward hospital accommodation, same day services, accident and emergency and outpatient medical and post-operative services
|
The rate determined by State and Territory health authorities for services charged to a patient who is not an Australian Resident
|
|
Private hospital/ Registered day hospital facility
|
100% of the charges for all insurable costs raised by a contracted hospital with a minimum of shared ward accommodation
|
| Prescription medicines |
|
For prescription medicines prescribed by your doctor Excludes: Medications, drugs or other treatments not prescribed by a doctor or not listed on the PBS
|
Prescription medicines benefit for expenses exceeding the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution for general beneficiaries up to a:
- Maximum benefit of $50.00 per prescribed item
- Maximum amount per calendar year for Single cover of $300 per person
- Maximum amount per calendar year for Family cover of $600
Each individual in a family has a limit equivalent for a single person as long as the family maximum benefit has not been used
|
| Surgically implanted prostheses |
|
Surgically implanted prostheses and other items included on the Federal Government's Prostheses List
|
100% of the cost as listed on the Australian Prostheses list
|
| Ambulance services |
|
When medically necessary for admission to hospital or for emergency treatment
|
100% of the charge
|
What OSHC does NOT include:
- Services provided by physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services
- Medications, drugs or other treatments not prescribed by a doctor or not included in the PBS
- Any costs associated with dental treatment, unless the services provided meet the requirements of the Medicare Benefits Schedule
- Optical charges (items such as glasses and contact lenses)
- The co-payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee
- Medical or hospital services arising from any event listed as a General Exclusion.
Overseas Student Health Cover (OSHC) Refund Policy:
- If you have not arrived in Australia, Martin College will refund your OSHC directly.
- If you have arrived in Australia and are:
− Discontinuing studies and returning home
− Transferring to another provider
− No longer on a student visa
Allianz Global Assistance will organise your refund. Refunds are calculated using a linear calculation. Refund forms are available on the Allianz Global Assistance OSHC website.
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