Points to Keep in Mind Before Buying OSHC!

Every international student entering Australia must have an overseas student health cover (OSHC). It is one of the mandates of the Australian Government, so that the students do not become a burden on country’s own healthcare system.

As we know that an international student has to have valid health insurance until his/her stay in Australia, whether with spouse or family. Considering this, the OSHC becomes one of the top priorities and necessities for any international student.

Well, we can help you with some points that you must keep in mind before buying an OSHC policy. Adhering to these points will keep you covered fully during your stay and will also save you some money! So, here we go!

Compare OSHC Policies and Features

You surely do not want to buy a policy in haste. Just take your time and compare the policies that are valid for you, along with their features.

There are times when students go on to buy policies that do not cover them completely, just because the policies are available at lower prices. Therefore, it is extremely important to choose the right policy for yourself that meets your visa requirements.

Compare the features, companies, premium, etc. to make sure you buy the one that meets your visa requirements!

Renowned OSHC Provider

There may be tens of companies offering OSHC policies at the best of prices; however, you may not want any hassle when it comes to claims.

Most of the renowned OSHC providers like BUPA, MediBank, AHM and NIB are known for their services and have every process streamlined. These providers have a huge network of healthcare facilities and can help you as and when required, in time.

On the other hand, you cannot be sure about claim process if you take a policy from company that is new or not known in general.

Therefore, it is suggested to buy overseas student health cover from a renowned OSHC provider.

Availability of Helpline & Hassle-Free Claims

No policy is good if it doesn’t help when required. Make sure your OSHC provider has a 24x7 helpline that can guide you in the hour of need.

Also, hassle-free claims are a big relief when it comes to insurance. While most of the companies tout it, only a few provide claims smoothly. Look for social media reviews and suggestions from peer group as to which provider has the best reputation in processing claims.

Fast Turnaround

Most of the students look to renew their OSHC when their previous policy comes to near-end. One cannot afford to be insurance-less even for a day when in Australia, for it may breach their visa conditions.

This is the reason you need insurance providers that provide OSHC instantly. Any delay can prove to be troublesome.

If you can buy/renew your OSHC instantly online, there is nothing better than it. Just fill in your details and get it done.

No Hidden Costs

Of course, as simple as it sounds – there should be no hidden cost in your OSHC policy. You must pay what you see!

Make sure you read the fine-print, if any, thoroughly, and double-check for any hidden cost.

Look/Ask for Discounts

As there is a huge competition in the market of OSHC & OVHC providers, most of the companies run different schemes and offers that may include discounts or freebies.

You can look for discount coupons or ask for discount from the company representative.

There is high likelihood you’ll get discount and will be able to save some good bucks on your OSHC policy.

Just keep the aforementioned points in mind, and you’ll surely get the right OSHC for yourself at the best possible price.

Stay safe!