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. OSHC Worldcare 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. OSHC Worldcare 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:

Medical and Hospital Benefits

In the event of medical treatment being required by you and occurring during the period of cover, OSHC Worldcare 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

* Benefits payable as per the Medicare Benefits Schedule Fee

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*

 

	Single cover
Period of cover	2010(AUD)
1 year	$390
2 years	$741
3 years	$1,106
4 years	$1,459

Need more information?

• 
  Information on Overseas Student Health Cover insurance

Links

These links will take you to external sites. Sites will open in a separate window, and are in English unless otherwise indicated.

• OSHC Worldcare
  The health insurance company that will provide you with your Overseas Student Health Cover. *Refer to the OSHC worldcare website for a full lists of General Exclusion.