Health and insurance
Health facilities
Your health is important to us and we will refer you to a nearby health professional if you need to see a doctor.
Overseas Student Health Cover (OSHC)
It is a requirement of the Australian government that student visa holders take out medical insurance (Overseas Student Health Cover known as OSHC), for the duration of their student visa. Australian Health Management (AHM) is our preferred provider for student medical insurance in Melbourne and Sydney.
You will have paid for your OSHC when you accepted your offer to study at the CSU Study Centre. AHM is the health insurance company that will provide you with your OSHC.
If you are already studying in Australia you should inform us of your OSHC membership number and the expiry date of your cover. Please send a photocopy of your membership card to provide evidence that you have cover for at least the first 12 months of your program.
What OSHC includes:
A doctor (including specialist) to treat you in hospital, at home, or in a doctor’s surgery (85% rebate provided).
- Pathology services such as blood tests
- X-rays
- Public hospital covers all hospital charges in a shared ward in any public hospital
- Emergency ambulance transport
- Prescription medicines limited to a maximum of $50/prescription and $150/calendar year
What OSHC does NOT include:
- Dental
- Physiotherapy
- Optical (items such as glasses and contact lenses)
- Treatment for medical conditions, or disabilities, in existence before you came to Australia during the first 12 months of membership
- Assisted reproduction services, such as in-vitro fertilization (IVF)
- Treatment arranged before you came to Australia
- Treatment you need while traveling to or from Australia
- Treatment for which compensation or damages can be claimed either in Australia or overseas
- Additional charges for single room accommodation in a public hospital
- Treatment which would not otherwise be covered under the Medicare Benefits Schedule e.g. health screening services or cosmetic surgery
| Single cover | Family cover | |||
|---|---|---|---|---|
| Period of cover | 2008 (AUD) | 2009(AUD) | 2008 (AUD) | 2009 (AUD) |
| 0-3 months | $86 | $89 | $158 | $178 |
| 3-6 months | $171 | $178 | $315 | $267 |
| 6-9 months | $257 | $267 | $473 | $519 |
| 9-12 months | $342 | $356 | $630 | $683 |
Other insurance
It is highly recommended that you take out Content (Belonging) Insurance while you are studying in Australia.
StudyCare insurance
As a professional organisation, we take the security of our students very seriously. This is why we also offer an additional insurance policy designed to complement OSHC.
What is StudyCare insurance?
StudyCare is a comprehensive insurance plan administered by ACE European Group Limited, a leading insurance provider. It has been developed specifically for international students by leading education specialists with over 35 years’ experience.
Student care and support services are provided by a team of specialists supporting over 15,000 students every year.
Why StudyCare is right for you
StudyCare has been designed specifically to offer you comprehensive protection and support throughout your studies. From the time you set off to the moment you arrive back home, you are free to concentrate on your studies, secure in the knowledge that you have a level of insurance cover second to none. With StudyCare help is always just a phone call away.
What is included
| Section | Benefit Description | Benefit Amount/Limit of Liability (AUD) |
|---|---|---|
| Medical Expenses | ||
Medical Expenses |
Unlimited (Excess $100) | |
Evaculation/return to country of origin if you become disabled |
Unlimited | |
Other persons' travel and accommodation costs to travel to be with you |
Up to $100,000: A daily accommodation limit in AU of 4250 to a maximum of $5,000 applies | |
Funeral and cremation, or returning remains to your country of origin |
Up to $100,000 | |
Home nursing care whilst disabled |
Up to $50,000 | |
Emergency dental treatment |
Up to $1,500 | |
Cash allowance whilst in hospital (after 24 hours) |
Up to $100 per day to a maximum of $3,000 in AU and $10,000 overseas | |
|
|
Up to $25,000 ($10,000 if under 16 years) | |
| Property | Property is covered for its replacement cost ("new for old") irrespective of age. Clothing and footwear that are more than 12 months old are settled on a depreciated basis ("new cost with a deduction for wear"). The maximum value per item you can specify is $10,000. The limit of the total value of all items specified is $30,000. |
Up to $15,000 plus specified items. Maximum cover on any item, pairs or sets of items is $3,000 without specifying. (Excess $150) |
Loss or damage of personal documents |
Up to $2,000 (Excess $150) | |
Theft of money |
Up to $1,000 (Excess $150) | |
| Disrupted Travel Cover | Additional travel and accommodation costs if travel plans are disrupted by strikes, weather, etc |
Up to $10,000 |
Purchase of essential clothing and toiletries, if all your luggage is delayed for more than 6 hours |
Up to $200 | |
Additional costs incurred on early return home |
Up to $100,000 | |
Missed connection costs |
Up to $10,000 | |
| Loss of deposits | Cancellation of travel and educational arrangements |
Up to $100,000 |
| Personal liability |
|
Up to $2,500,000 (Excess $50) |
How much does it cost?
| Period of Cover | AUD $ | Period of Cover | AUD $ |
|---|---|---|---|
| Up to 6 weeks |
$91 |
Up to 7 months | $275 |
| Up to 8 weeks | $133 | Up to 8 months | $314 |
| Up to 3 months |
$150 |
Up to 9 months | $350 |
| Up to 4 months | $184 | Up to 10 months | $385 |
| Up to 5 months | $209 | Up to 11 months | $418 |
| Up to 6 months | $242 | Up to 12 months | $451 |
You need to pay an additional premium on specified items of 1.5%
Need more info?
For a summary of key facts, download a copy of the StudyCare Insurance plan brochure (PDF 235K)
For definitions and full policy details, download a copy of the StudyCare Group Policy document (PDF 203K)
Links
These links will take you to external sites. Sites will open in a separate window, and are in English unless otherwise indicated.
- Australian Health Management (AHM)
The health insurance company that will provide you with your Overseas Student Health Cover.
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Or call us.... 
- From Australia:
On 1300 856 278 - Outside Australia:
+61 2 9291 9308