Something unfortunate happened. Your health took a debacle and you had to get treated in Australia, but your health insurance (OSHC policy) did not cover you for the expenses. Or you failed to renew and extend your OSHC and thereby got your visa cancelled by the immigration department for breaching 8501 visa condition.
What if you have to deal with the same situation while you study in Australia?
You’ll be devastated! Won’t you? As there was so much of hard work done to get the opportunity of studying overseas.
But the good news is, you can take precautions and avoid facing such consequences.
- Buy it in a hurry
- Buy just by relying on family or friends’ recommendation or
- Buy the one by focusing solely on low-cost
So, What Defines a Suitable OSHC plan?
A suitable OSHC plan is nothing but the one that covers all your needs and provide you with peace of mind knowing that you are financially protected for the entire duration of your stay in Australia at the time of medical emergencies.And how will you ensure that the plan you selected is perfect for you?
Keep reading to find out!
Compare Policies of Different OSHC Providers
When it comes to choosing the best overseas health insurance plan, we often get intimidated by a wide range of options available. Sometimes we end up buying a plan which costs less but doesn’t offer comprehensive coverage or we pay substantial premiums only to realise later that we never required frills in our plan.So, before zeroing in on one, it is imperative to compare Overseas student health insurance policies from leading providers to make sure of getting the adequate level of coverage during emergencies.
Execute a quote on www.getmypolicy.online to get feature by feature comparison across all OSHC provider. Here, you can get specific insights on coverage patterns when it comes to Public and Private hospital treatments, Out of Hospital coverage for pathology, GP services and specialist requirements such as MRI scans.
You can also learn about applicable waiting periods and refund clauses through the comparison tool on our site.
Compare their Services
A common factor that all OSHC providers have is they offer additional services or features in their plans. The difference however is they may not be equal in how they perform or what they may cover.
For instance, some insurance providers have a designated OSHC app that helps their members to:
- Submit and process claims easily and quickly
- Find the nearest doctors
- Access membership card with policy details anytime
- Get local emergency numbers, etc.
|
Service Features |
Bupa |
Medibank |
AHM |
Allianz Global Assistance |
NIB |
|
On Campus Support |
No |
Yes |
No |
Yes |
Yes |
|
Large network of qualified medical providers |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Home Doctor service |
Yes |
No |
No |
Yes |
No |
|
24/7 OSHC help line (interpreter services in a variety of languages) |
Yes |
Yes |
Yes |
Yes |
Yes |
|
OSHC app to submit claims |
No |
Yes |
No |
Yes |
Yes |
|
Dedicated OSHC website with resources |
No |
No |
Yes |
Yes |
No |
|
Emergency assistance (Doctors on demand) |
No |
No |
No |
Yes |
No |
|
Single parent cover |
No |
Yes |
Yes |
Yes |
No |
|
Online services to manage membership |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Membership discounts towards other services |
Yes |
No |
No |
No |
No |
For further assistance, you can also drop us an email at support@getmypolicy.online and get best solutions immediately.