AHM Overseas Student Health Cover (OSHC)

AHM Overseas Student Health Cover (OSHC)

Australia is a popular destination for international students, offering world-class education and vibrant multicultural experiences. As an overseas student, it is mandatory to have Overseas Student Health Cover (OSHC) while studying in Australia. AHM OSHC is one of the leading providers designed to meet the healthcare needs of international students, ensuring visa compliance and peace of mind.

Why Choose AHM OSHC?

AHM student health cover is tailored for international students in Australia. Recognised for prioritising member well-being, AHM OSHC ensures that students can focus on their studies without worrying about unexpected medical expenses.

AHM OSHC provides:

  • Comprehensive health insurance with an easy claims process
  • 24/7 access to student health and support services
  • Award-winning value, recognised by Canstar as “Outstanding Value” for OSHC in 2023

Student Visa Requirements

The Australian Government mandates OSHC for international students on a subclass 500 Student Visa. AHM OSHC policies are fully compliant with visa requirements, covering you for the entire duration of your stay. Coverage also extends to spouses or dependent children accompanying you.

Choice of Doctor or Specialist

International students are not eligible for Medicare, Australia’s national healthcare system. AHM OSHC provides flexibility to choose your preferred doctors and specialists while ensuring access to hospital and medical treatments.

24/7 Student Health & Support Line

AHM OSHC members can access support anytime via 1800 006 745, available in 160 languages. Services include:

  • Medical advice from registered nurses
  • Counselling services
  • Legal guidance
  • Assistance with travel documents
  • Support adjusting to life in Australia and navigating the health system

Flexible Extras Coverage

AHM OSHC allows optional extras coverage for services like:

  • Dental care
  • Optical services
  • Physiotherapy

This flexibility enables students to tailor coverage according to personal needs.

What Does AHM OSHC Cover?

Medical Cover

  • 100% of the Medicare Benefits Schedule (MBS) fee for GP consultations and in-hospital medical services
  • 85% of the MBS fee for specialist consultations and certain allied health services outside the hospital

Hospital Cover

  • Covers hospital services including accommodation, ICU, surgery, in-hospital doctors, surgically implanted prostheses, and diagnostic tests
  • Coverage varies depending on whether treatment is in a public hospital, partner private hospital, or non-partner private hospital
  • Ambulance services Australia-wide are included

Prescription Medicines

  • Covers the difference between the Pharmaceutical Benefits Scheme (PBS) co-payment and the actual cost of medication
  • Maximum claim limits: $300/year for singles, $600/year for couples
  • Over-the-counter medications are not covered

How to Make an AHM OSHC Claim

Claims can be submitted in multiple ways:

  • Online or via the AHM OSHC app – log in, upload receipts, and submit
  • Online Claims Form – fill out the required details on the AHM website
  • Post – send completed claim forms with receipts to:
  • AHM OSHC
  • Reply Paid 88995
  • Wetherill Park BC NSW 2164

Benefits are paid for claims lodged within 2 years.

Additional Benefits & FAQs

Dental & Optical

Dental is not included in standard OSHC but can be added via optional extras. Eye tests are partially covered at 85% of MBS under medical cover or fully via extras cover.

Refunds & Policy Cancellation

AHM OSHC offers refunds in specific scenarios such as:

  • Not commencing studies
  • Visa cancellation or change of status
  • Leaving Australia early after completing studies
  • Obtaining permanent residency or another visa

Applying for AHM OSHC

Students can easily apply via the AHM website or OSHC app. Policy extensions are also simple through phone, app, or website.

Compare & Get Your AHM OSHC Today

Comparing AHM OSHC with other providers helps you choose the best coverage at the most cost-effective price. Applications are quick, and your policy certificate is issued immediately upon purchase.

Students planning to stay in Australia after graduation can also obtain 485 visa health insurance at www.485visainsurance.com.au.

Parents or guardians visiting on a subclass 600 Visitor Visa can get 8501-compliant health insurance at www.600visainsurance.com.au.

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