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.

Comments

Post a Comment

Popular posts from this blog

Health Insurance for 485 Visa Holders

Image
  A 485 visa holder can study, work and live in Australia for up to 5 years. It is necessary to maintain adequate health insurance. Overseas Visitor Health Cover (OVHC) policy covers unexpected medical expenses in case of getting injured or sick during the stay in Australia. The minimum health insurance for 485 visas is up to 3 months; the maximum depends on a person’s situation. It is also called a temporary graduate visa. All 485 visa holders must purchase an OVHC health insurance policy to meet the visa requirements. Subclass 485 visa holders of both graduate and post-study work streams must satisfy visa condition 8501. The overseas students going to Australia on a subclass 500 study visa must change their visa type from subclass 500 to 485 after completing their studies and move from Overseas Students Health Cover (OSHC) to a working Overseas Visitor Health Cover (OVHC) health insurance policy. Benefits The OVHC policy will cover the following. Public hospital tre
Read more

Mental Health Services: What is covered under OSHC?

 When you start on the exciting journey of studying or living in a foreign country, taking care of your health should be high on your priority list. It is important to make sure you have proper healthcare coverage in place. In Australia, international students are required to have Overseas Student Health Cover (OSHC) provided by various insurance providers. The health insurance not only covers a wide range of medical needs but also takes care of your mental health. In this blog, we will know about the details of what exactly OSHC covers when it comes to mental health services. Knowing the kind of support you will have access to during your stay in Australia can give you peace of mind and help you make the most out of your experience. What is OSHC? OSHC is a mandatory health insurance cover that international students must get while studying in Australia. It is designed to provide financial assistance for medical treatments and services that students may require during
Read more

Top Reasons You Need an Overseas Student Health Cover (OSHC)

Image
If you have already planned to study overseas and have chosen Australia to take up higher education, you must be aware of the fact that you must have a valid OSHC ( Overseas Student HealthCover ) when entering Australia, without which you may not be able to enroll in your desired educational program. Buying a health cover (OSHC) is one of the most important things that the student needs to do when planning to enter Australia on a study (subclass 500) visa. Well, there are many reasons that every international student entering Australia must have an Overseas Student Health Cover. Here are some of the top reasons you need an OSHC when entering Australia.   1.      International Students’ Ineligibility for Medicare As we all know, Australia has an excellent and well-structured medical care system, more commonly known as Medicare. The Australian Government’s public health program provides medical care and facilities to Australian citizens and permanent residents. Unfortunately, this
Read more