What does OSHC cover?
Your OSHC will cover costs towards both in-hospital and out-of-hospital medical assistance, prescription medication and emergency ambulance assistant. It’s really important you understand the extent of your cover so you don’t get any nasty surprise expenses when you’re in Australia. Check with your proiver for a complete list of what is and isn’t covered.
How do I arrange OSHC?
Allianz Global Assistant is the recommended choice of most institutions in Australia. Arranging your OSHC through Allianz is sensible option and can be completed online once youu have been accepted to study in Australia. Whoever you choose for OSHCmak sure you arrange it before departing for Australia, you have paid any required fees and that the policy covers your entire stay. Your institution and agent will help you do this.
Do I need to take out any other insurance?
Your OSHC is not a replacement for travel insurance and as such will not cover travel-related claims incurred during your journey to Australia. This insurance must be purchased separately, although they can be purchased from the same insurance provider. If your are bringing any valuable, electronic or sporting goods with you then consider increasing your policy to cover the value of these items.
What else do I need to arrange?
Go to see your doctor before your depart from home for studying in Australia. This will allow you to check up on any existing medical conditions, receive/renew any required medication and prepare for the journey to Australia. If you are bringing medication to Australia you must bring appropriate documentation as Australia has strict custom laws.
Staying smart in the sun
The hottest time of the day is between 10am and 3pm, make sure you take precaution if you are outdoors during these hours. Wear a hat and sunglasses, regardlessly apply sunscreen and stay well hydrated. Apply aloe vera aftersun lotion if any skin is red when you return home.
If you’re going to enjoy the best of Australia, you need to be fit and healthy! Remember, in a non emergency situation you should attend health clinic and not hospital.
If you need to go to a public hospital in a non-emergency situation or for an elective procedure, then call your OSHC provider and check that you will be covered. Remember to ask your OSHC provider where their nearest agreement hospital is. You should then give that hospital a call to comfirm that you will be accpeted as a patient with OSHC. There is nothing worse than getting some nasty administrative surprises when all you want is medical treatment. Remember, your OSHC may not cover you for private hospitals.
You can get contraceptive medications and devices very easily and cheaoly in Asutralia. Condoms are available from supermarkets and pharmacies. Emergency contraceptive are available from pharmacies if you need them. Take them within 24 hours for the most effective result.
Remember to take time for yourself. If things seem too hard, talk to friends and family. Universities and colleges often have counselling services or you can use the free services Beyond Blue and Lifeline. Make sure you talk to someone as soon as you feel like things are getting too hard to handle.
Very few medical clinics are open seven days or have 24-hour service (and those that do can be expensive). If you need a medical certificate or you have minor illness, wait until the doctors’ office are open. You can also ring Healthdirect Australia to get advice on treating non-life-threatening illness.
Contact 1800 022 222
If you face a situation where you feel like you’re being taken advantage of or unfairly treated in regards to your OSHC, you can call the Private Health Insurance Ombudsman (PHIO). It’s a free service designed to help you out of trouble!
Contact: 1800 640 695
Finding a gym
Gyms can be a large expenses so make sure you are committed before you sign a contract. More flexible 24/7 options are starting to open up and present better value if you can live without classes and swimming pools ect. Most universities also have gyms and offer their students reasonable rates.
Many universities have healthy food stores on campus that present students with healthy options. They sell natural, organic products that are generally gluten free. Farmers' markets are great for resourcing fresh fruits and vegetables. The farmers sell directly to you so you pay less than at the supermarket and get fresher products.
Available at sports and community centres across your city, you can start a team with your friends and play against other team. The level of competition will vary depending on which league you play in. the lower leagues will be purely social while higher leagues may be more competitive. Common sports include indoor soccer, squash, netball, indoor cricket, tennis and volleyball.
If you are more serious about your sport then you can join your university (or a local club) team. This will involve attending training and committing to playing games for the entire season in advance. They are great way of meeting new people while keeping fit.
There are various ways to get involved in yoga and pilates. Your local gym may have classes. There are plenty of specialists venue opening, outdoor sessions are often advertised or you could teach yourself from Youtube.
Education providers often provide housing, medical and counselling services that assist students when they are having problems. These services are confidential and are the best place to access help so that any negative effects of personal problems on education and academic outcomes is reduced.