Student Health Insurance Coverage

Health Insurance for Foreign OSHC Trainees

When you are accepted into a Members First, network or government owned clinic, as well as licenced outpatient clinics, you will get full coverage for a number of medical costs as long as necessary. Inpatient costs are fees for intraclinical care that includes the following: When your physician decides on a No Gap Denture, you have no cost out of pocket if the denture part is placed as part of your insured healthcare.

When the prosthetic part used is shown as a replacement graft, you must fill the space calculated by the clinic. The Medicare Benefits Schedule (MBS) charge for medical treatment is 100% of the cost of a physician, surgeon, anesthesiologist, pathologist or radiologist in-patient. The Bupa Medical Guarantee Scheme is an agreement that Bupa has made with most privately held professionals to minimize your hospitalization* outlay.

When your doctor uses this schedule, he will bill Bupa directly and you have no or a shortfall of up to $500 for your health care costs. That means you'll never spend more than $500 on a doctor who uses this system. If you are also cared for in a Members First Day institution, you will have no expense for treatment (e.g. your specialist's fees).

Possible overpayments or co-payments in connection with your sum insured remain in force. *The Bupa Medical Gap Scheme can be used by your physician in either government clinics or privately owned clinics that have a contract with Bupa. You will be reimbursed for E.R. charges in any commercial or government institution, even if you are not hospitalized, plus administrative charges.

In addition, you will get 100% Medicare Benefits Schedule (MBS) coverage if you are hospitalized or treat a physician or resident in a home office. These include general practitioner as well as consultant service provider, as well as provider of radiological and ultrasound diagnostic products, pathologies and more. We take out insurance for select articles in pharmacies which are prescription as ambulances or by a physician or expert.

Up to $50 per prescriptive article will be paid after you have paid the Pharmaceutical Benefit Scheme (PBS) copayment fees. In addition to your medical insurance, a Bupa approved supplier will provide you with coverage for uncovered ambulances or on-site care throughout Australia.

Medical emergencies are only insured if the medical care is necessary for hospitalisation or for any situation requiring on-site medical attention. You are not insured for non-urgent transport from a local clinic to your home, foster home or other clinic. Rescue care is any care that is needed when a person: has a state that requires immediate hospitalization to prevent an immediate danger to their lives, and when a relocation to another institution is inconvenient.

When you decide to have your patients admitted to a privately run clinic that is not one of our Members First or Network Clinics, you may face high costs. If you are insured for a benefit or medical care, a qualifying wait is the length of stay between your date of Australian entry or commencement of your Australian affiliation.

You are not insured during a qualifying episode and are not entitled to payments for the treatments affected by the qualifying episode. At the end of the qualifying time, you will get the full range of services under your coverage for this kind of work. Irrespective of when you apply, if you are receiving a care or attention during a qualifying time, you will not be entitled to a care or attention from us.

Benefits will only be paid for treatments obtained during a qualifying stay if the treatments are considered emergency (see above for more information on emergency treatment). When you switch to us from another OSHC vendor, you will still be insured for all claims you had with your existing vendor.

If you have already had a wait, we will keep all wait times when we get the acknowledgement of your prior subscription. If you move up to a higher coverage tier, the advantages of your current coverage tier will be valid during your qualifying time. In the event that you are receiving a care or attention during a qualifying time, you will not be entitled to any reimbursement from us, regardless of when you make the application.

There are different delays for the different types of work. Health insurance for foreign students does not include some special health care benefits. That means that while you are with OSHC, you are not insured for that particular care or procedure. You will not be insured for the period of this coverage for: medical care or medical care provided outside Australia.

Examples include: pre arrival care in Australia; travel to or from Australia; situation where you are unlikely to be insured or could cause significant extra costs, such as: if you do not have a current medical certificate at the moment of hospitalisation and for the length of your period in Australia.

Extra coverage will help you pay for some non-OSHC treatment costs, which include dentistry, ophthalmology, physical therapy and naturopathy. There is a wide selection of available extra features that can be purchased to help you get the most out of these extra features.