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How Does Australia's Healthcare System Work?

What to know before you go

We’re here to help you understand the Australian healthcare system and how to navigate it. A little knowledge will help you to be confident you are getting the best healthcare services, when you need them. 

How does the healthcare system work in Australia?

Healthcare services in Australia are funded by the Australian Government and by private health insurance. Australia’s public healthcare system is called Medicare. Medicare provides healthcare for Australian residents for free, or at a reduced cost. It is paid for out of taxes that every Australian pays.

Medicare covers many essential treatments but not all of them. It covers things like medically necessary hospital procedures in public hospitals, visits to the doctor and some medicines. It does not cover treatments in private hospitals, ambulance services and extras services like glasses, dental treatment and natural therapies. This is why many Australians choose to have private health insurance.

The benefits you get when you have OSCH are similar to the cover Australians get through Medicare. 

What is the MBS (Medicare Benefits Schedule)?

This is a list of set benefits for specified medical services that the Government pays for through Medicare.

It is used by private health insurers to calculate benefits for hospital treatments. The same schedule applies to both Australian permanent residents and non-residents such as student visa holders. 

If your doctor’s fees are not covered by the MBS, or your health cover, you may have to pay a gap fee. This is called out-of-pocket expenses. 

You should always talk to your doctor when planning any medical treatment or surgery to make sure you fully understand whether you will have any out-of-pocket expenses. 

What is a waiting period?

This is the time you must wait before you can claim a benefit. Some costs are not covered straight away and you must wait for the period stated on your policy before you can make a claim. This includes pre-existing conditions and pregnancy-related services. 

What is Extras cover?

Extras cover gives you money back for non-hospital services including dental treatment, physiotherapy, optical services and more. The amount of money you can claim back depends on the level of cover you have. If you have a higher level of cover, you usually get a higher percentage of costs back. Your annual limit is usually higher as well. 

Your OSHC does not include Extras and if you want to be covered you can contact your OSHC provider. 

What is a gap fee?

This is the amount you need to pay yourself if the amount the medical provider charges is more than the benefit you’re allowed under your OSHC. If you like, you can call your doctor or medical centre before your appointment to get an idea of what it will cost you. 

What is OSHC direct billing?

This is when your OSHC gives you access to selected doctors in medical centres who bill your OSHC provider directly. The advantage of this is you don’t have to pay upfront and make a claim. 

Where do I buy medicines?

If you need basic medicines like cough and cold remedies or mild painkillers, you can simply walk into any pharmacy and buy them. These are called over-the-counter medicines. Some over-the- counter medicines, like asthma inhalers, can only be sold to you after you have spoken to the pharmacist. 

You can also buy some over-the-counter medicines in supermarkets and health food stores, which have a large range of alternative medicines. 

You can find out more information about the Australian healthcare system at the Department of Health website.

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تاريخ البداية


حدد التاريخ الذي ستصل فيه إلى أستراليا. إذا لم تكن متأكداً، فاختر تاريخاً حتى 28 يوماً قبل تاريخ بدء برنامجك الدراسي.


إذا كنت ستغير مقدم خدمة التأمين الصحي OSHC، فاختر اليوم التالي لانتهاء صلاحية OSHC.

من أجل الحفاظ على صلاحية تأشيرة سفرك، يجب أن يكون لديك تغطية للتأمين الصحي للطلاب الأجانب بشكل مستمر.


تاريخ النهاية


يجب أن يغطي التأمين الصحي للطلاب الأجانب OSHC الفترة الكاملة لتأشيرتك. يمكن منح تأشيرة الطالب الخاصة بك حتى الحد الأقصى للمدة المذكورة في الجدول أدناه.

مدة البرنامج الدراسي
أضف إلى تاريخ انتهاء برنامجك الدراسي
10 شهور أو أقل
شهر واحد
أكثر من 10 أشهر تنتهي في يناير - أكتوبر
أكثر من 10 شهور تنتهي في نوفمبر - ديسمبر
أكثر من 10 شهور تنتهي في نوفمبر - ديسمبر

على سبيل المثال: إذا كان برنامجك الدراسي من 1 يناير 2014 إلى سبتمبر 2014 (وهذا أقل من 10 أشهر)، فأضف شهراً واحداً إلى البرنامج الدراسي حتى تاريخ الانتهاء.

في هذا المثال، ستكون تواريخ التأمين الصحي للطلاب الأجانب OSHC من 1 يناير 2014 إلى 1 أكتوبر 2014.


مقالات مختارة

Getting started with Student Health Cover

IDP gives you the freedom to choose. It’s easy to buy Overseas Student Health Cover (OSHC) online yourself, or you can do it with the help of an IDP counsellor.

How to use Student Health Cover

When you arrive in Australia, you may need to activate your OSHC policy and you can begin using it (but hopefully you won’t need to!). Here are some tips of making a claim.

Common healthcare words

Navigating the language used in the healthcare industry can be complex. Here is a glossary of key terms you might come across, and what they mean.

Health and Safety tips

Australia is a safe and healthy place to live, and there’s a lot to see and do. You will probably be studying in a town or city, but you may also want to experience the wild beauty of its oceans, mountains, rivers and the famous ‘outback’ or ‘bush’.

ببرجاء اختيار مستوى الدراسة

اقم بإدخال المادة، اختر من القائمة أو انقر للبحث

  • اابدأ في الكتابة، واختر من القائمة أو انقر للبحث

  • اقم بإدخال المادة، اختر من القائمة أو انقر للبحث

برجاء كتابة واختيار اسم المؤسسة

  • اكتب 3 حروف من اسم الجامعة واختر من القائمة

  • اكتب اسم الجامعة أو المدرسة واختر من القائمة