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Catalogue 2011

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Taxes and Insurances

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Pomagamy w znajdowaniu pracy w Australii

Insurance

Overseas Students Health Cover Student visa holders are required to buy an adequate medical insurance prior to coming to Australia. This is named Overseas Students Health Cover, or OSHC. Australian schools that organise educational courses for overseas students usually cooperate with 2 main OSHC providers: Medibank Private and AHM.

WorldCare

OSHC AHM

Medibank

OSHC covers you for:

85% of costs for the out-of-hospital medical services;
The full cost of in-hospital medical services;
Accommodation fees in public hospitals;
Accommodation fees in some private hospitals;
1-day of post-operative accommodation;
The cost of surgically implanted protheses and other items (e.g. bone screws, plates etc.);
The cost of some medicines;
Ambulance services .

OSHC does not cover you for:

Treatment you arranged before coming to Australia;
Services or treatment occurring outside of Australia, including services or treatment while travelling to or from Australia;
Treatment for a pregnancy, if your visa is for less than 3 months;
Transportation of the student into or out of Australia in any circumstance;
Services or treatment associated with in-vitro fertilisation;
Treatment for any of the student’s children who are over 18 years of age;
Medical services or treatment for a pre-existing illness (such as diabetes) within the first 18 months of OSHC
Services or treatments that are covered by compensation and damages provisions of any kind;
Treatment by dentists or other extras services such as optometrists.

After arriving in Australia you can purchase OSHC Extras to receive benefits for additional medical services.

OSHC rates :
Insurance	Medibank Private	AHM	Worldcare
Monthly	32,40 AUD	31,16 AUD	32,50 AUD
Yearly	388,80 AUD	374 AUD	390 AUD

How do I make a claim? After a doctor’s appointment you can pay the receipt yourself first and then make a claim (up to the limit specified on the policy) by taking or sending the receipt to the insurance company. You can also send your unpaid account to the insurance company that will pay off the costs for you. Medications must be bought in person and only then you can make a claim. The accounts and receipts for hospital services are sent directly to the insurance company.

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