Common Questions about NIB OSHC and OVHC Answered

As an international student or visitor, it can be difficult to understand health cover. NIB is one of the most preferred health covers by people moving to Australia. They offer complete health cover options that are carefully curated to meet the unique needs of overseas students (OSHC) and visitors (OVHC). In the following blog, we will answer most common questions about NIB OSHC and OVHC, including clear understanding of benefits, enrolment, and coverage.

What is NIB OSHC and Who Needs It?

For international students studying in Australia, NIB OSHC is a health cover plan specified to their health needs. The Australian government requires every international student to have an adequate OSHC for the time they are in the country, ensuring their health is being taken care of. Common medical services included in NIB OSHC are doctor visits, hospital stays, emergency ambulance services, and prescription medicines.

What Does NIB OSHC Cover?

Following is a list of medical services covered by NIB OSHC:

·         Visit to a General Practitioner (GP).

·         Medical treatment and accommodation in public and private hospitals.

·         Prescription Medicines.

·         Coverage for emergency ambulance services.

What is Not Covered by NIB OSHC?

Following is a list of medical services that are not covered by NIB OSHC:

·         Routine dental and eye care services are not covered.

·         Non-essential elective surgeries are not covered.

·         Pre-existing conditions may have waiting period or be excluded.

How Do I Enrol in NIB OSHC?

Following are the steps to enrol in NIB OSHC:

·         Enrol online through NIB website or educational institution.

·         Seek assistance from educational agents for enrolment process.

·         Ensure you have OSHC coverage from the time you have arrived in Australia.

What is NIB OVHC and Who Needs It?

For international visitors to Australia, NIB OVHC is a health cover plan specified to their health needs. OVHC makes sure you have access to healthcare services during your stay in the country for traveling for business, holiday, or to see family and friends. For people with visitor visas are required to have health cover. For example, it is important to have OVHC for 485 Temporary Graduate Visa.

What Does NIB OVHC Cover?

Following is a list of medical services covered by NIB OVHC:

·         Visit to a General Practitioner (GP).

·         Medical treatment and accommodation in public and private hospitals.

·         Prescription Medicines.

·         Coverage for emergency ambulance services.

What is Not Covered by NIB OVHC?

Following is a list of medical services that are not covered by NIB OVHC:

·         Routine dental and eye care services are not covered.

·         Non-essential elective surgeries are not covered.

·         Pre-existing conditions may have waiting period or be excluded.

How Do I Enrol in NIB OVHC?

Following are the steps to enrol in NIB OVHC:

·         Enrol online through NIB website or educational institution.

·         Seek assistance from educational agents for enrolment process.

·         Ensure you have OVHC coverage from the time you have arrived in Australia.

Conclusion

Whether you are an international student or visitor, knowing what NIB OSHC and OVHC are and can help you with, assures the best health cover for your stay in the country. NIB offers you affordable and best health cover plans for your specific needs so you can enjoy your stay in Australia without worrying about paying from your pocket.

Budget Policy has extensive experience in guiding individuals for their OSHC or OVHC plans. With us, you can compare and buy from NIB’s best plans. Get started with the process of buying health cover for you and your family with Budget Policy. Get in touch with our experts today!

Frequently Asked Questions

Can I Switch Between OSHC and OVHC?

Switching between OSHC and OVHC depends on visa type and circumstances, such as student to visitor visa or vice versa. Contact NIB customer service for more information.

How Do I Make a Claim with NIB?

You can submit NIB claims online, in-person, or through mail. Contact NIB customer service for more information.

How will I get my money back after claiming?

NIB process claims promptly upon receipt, confirming coverage and payment within 7-10 business days. For more details and better understanding, get in touch with NIB customer service.

Where can I buy NIB OSHC or OVHC?

Budget Policy is a leading online platform allowing you to compare and buy top providers under one roof. You can go through various plans and their prices to choose the most suitable one for yourself.

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