澳洲留學 – 學生健康保險OSHC
Overseas Student Health Cover
Overseas Student Health Cover
依據澳洲政府法令,學⽣簽證(500 Student Visa)條件第8501條規定,所有在澳洲讀書並持學生簽證的國際學生都被強制要求購買海外學生健康保險 (OSHC),若經查核學生簽證持有人不持有OSHC或是過期,簽證將會受影響。因為國際學生無法享有澳洲公民的公共醫療保險 – Medicare,高額的醫療費用對國際學生來說是一筆不少的費用,所以海外學生保險 - Overseas Student Health Cover主要是在保障在澳洲讀書的國際學生,在奧讀書期間能夠獲得合適的醫療服務,又不至於付出高額的費用。
As an international student in Australia, the Department of Home Affairs requires overseas students to maintain OSHC for the duration of time they are in Australia.
International students undertaking formal studies in Australia, and their dependents (for example, spouses and children under 18 years old), must obtain OSHC. It includes cover for visits to the doctor, some hospital treatment, ambulance cover and limited pharmaceuticals (medicines). OSHC insurers can provide a range of different OSHC products. These may range from a basic product which covers only the compulsory minimum services to comprehensive products which cover, in addition to the compulsory minimum services, extra services as specified under the particular policy.
海外學生醫療保險保障國際學生享有澳洲政府規範之最低限度的醫療需求,在此設計下,國際學生可享有與澳洲居民同等的全民醫療保險計劃所保障的醫療服務。此外,OSHC 還包括享受一些私立醫院、門診手術、緊急救護車服務和處方藥物的給付。若不確定能夠涵蓋多少費用,建議看診前先和保險公司確認。
由大多數全科醫生所提供的醫療服務(GP 服務),以及專科檢查費用,包含病理和X光等醫療服務。大部分GP的看診服務給付費用為100%,部分醫院外的GP看診服務給付費用為85%。
General Practitioner (GP) including telehealth - We will cover the benefit amount as listed in the Medicare Benefits Schedule (MBS). The benefit amount may vary depending on the type of medical service.
公立醫院提供之共用病房,當日醫療服務、意外、急診、住院及術後醫療服務。部分私人醫院,OSHC也將會全額支付學生在該醫院的當日或是隔夜住院費。
We will cover the benefit amount as listed in the Medicare Benefits Schedule (MBS). The benefit amount may vary depending on the type of medical service.
看診後,若需要進一步透過X光和抽血檢查,OSHC將依照不同的醫療服務支付相對應的檢查費用。
For example X-rays and blood tests. We will cover the benefit amount as listed in the Medicare Benefits Schedule (MBS). The benefit amount may vary depending on the type of medical service.
在緊急情況下的救護車和必要的醫療,OSHC將提供全額的醫療和運送費用。
You are covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment.
由醫生所開出的處方藥,若該處方藥列在健保藥物給付項目及支付標準核准清單上,每一核准之處方藥可申請最高至澳幣$50的給付額,一年內每人最高可申請至澳幣$300。
Expenses payable that exceed the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution:
Up to $50 per approved prescription medicine
Up to $300 each year for singles
Up to $600 each year for families or couples
等待期意指學生可以申請醫療保險給付之前的等待時間。醫療保險公司在等待期間,某些費用(先前已存在症狀的相關醫療費用)將不予以支付。
OSHC
傑瑞斯擁有超過20年以上的澳洲留學代辦經驗,協助超過上萬名學生完成夢想。每個人都情況都是不一樣的,我們會依照個人情況和需求,給予最棒的建議和規劃。