If you are thinking about studying in Australia, congratulations! Just remember, you have to make sure that you are covered health-wise. With everything out there, picking the right overseas student health cover (OSHC) can seem challenging.
The reason is, that with major providers and unbeatable offers, one often gets confused for the policy to choose. But don't worry, we have got your back. Following is an easy-to-understand guide with 10 handy tips to light your way. No confusion, we promise!

Factors to consider when choosing an OSHC in Australia
Coverage and benefits: Be sure to pick an OSHC provider that gives you the best deal. Look out for important things such as doctor appointments, hospital visits, medicines, and more. Also, look if they can hook you up with extras such as dental, optical, and physiotherapy. A plan with a good mix of all these could be the right one for you.

Network of healthcare providers: Look for the healthcare networks associated with your OSHC provider. You have to make sure there are doctors and health centers near your university or your accommodation. The wider the health network, the easier you will find medical help when you need it.

Waiting periods: You have to wait for a certain time after buying OSHC. The time is called waiting periods and they vary depending on the provider. If you have a pre-existing condition and do not wish to cover the waiting period, look for a provider that does not make you wait too long.

Customer service and support: You need a good customer service team when it comes to health insurance. Check out OSHC providers that are there for you 24/7 and are great at customer service. This way, you can rest easy knowing you can reach out to them about any concerns or questions about your coverage.

Price and affordability: Picking an OSHC provider often comes down to cost. Therefore, it is a good idea to check out the prices from various providers. You must know in detail about what you are getting for the money you are paying. Ensure the plan you are buying actually suits your needs. Also, ask for any extra charges such as administration or processing fees beforehand to avoid confusion later.

Flexibility and additional services: Some OSHC providers provide a few cool extras that can make your life as an international student easier. This could be anything from dental services to mental health support, and more. So ask about these extra services and see if they fit with what you need and what you expect from your cover.

Reviews and recommendations: Check out what people are saying about different OSHC providers. This can give you a feel for how happy their customers are. Do not forget to see what other international students think. Their experiences can be helpful when you are trying to find a provider.

Claim process and reimbursement: Get to know how your OSHC provider handles claims and other stuff. Also, learn how to submit a claim, know which papers you need, and figure out how long you will have to wait until you are paid back. A smooth and quick claim process means less stress. Choose wisely!

Policy duration and renewal: Look at how long your OSHC policy lasts and check if it fits with the duration of your study course. Make sure the policy has you covered for the whole time you are in Australia and that you can easily renew it if you have to.
Recommendations from your educational institution: Ask your university about their preferred OSHC providers. Australian universities usually work with specific providers that have special plans just for students. You might even get student-only discounts from these recommended providers.

Choosing the Right OSHC Plan with Budget Policy

Do not put your health at risk. Get the right overseas student health cover before you head off to Australia with the Budget Policy. Know all the information and advice you need to make a smart choice. You will have the best health coverage for your stay in Australia while you study, under one roof. We assure you that keep you happy and healthy during your stay in the country.
Contact our experts today!