Planning on travelling abroad to study in Australia? You’re going to need OSHC (Overseas Student Health Cover). Not only is this a must for meeting your visa requirements, it also gives you access to a wealth of healthcare benefits. But how exactly does it work?
Our step-by-step guide outlines everything you need to know about making an OSHC claim, should the time come. Keep reading to learn more about how to ensure this process goes as smoothly as possible.
TABLE OF CONTENTS
- Understanding Your OSHC Policy
- Preparing to Make a Claim
- Step-by-Step Guide to Making an OSHC Claim
- What Happens After You Submit a Claim?
Understanding Your OSHC Policy
Most OSHC policies include the same basic benefits. So, what exactly are you covered for? Here’s a quick breakdown:
- Doctor visits: See your GP for a consultation, including specialist visits, X-rays and blood work.
- Hospital care: Includes hospital stays and treatment, with agreements with public and private hospitals available.
- Ambulance services: Need an ambulance? That’s covered too, including on-the-spot care.
There are also a number of exclusions and limitations you need to understand when it comes to your policy. This can include dental care, eye-related appointments and prescription glasses, as well as elective surgery such as cosmetic procedures.
It’s important you read your policy details to fully understand what’s included and what isn’t. Make sure these details reflect what type of cover you need, so you don’t get caught out when it comes to making a claim.
Preparing to Make a Claim
Knowing how to claim OSHC insurance is easier when you’re prepared.
First, make sure you have all the documentation you need, including your policy details and policy number. Have a look through your insurance to make sure the treatment you’re claiming for is covered as well.
You should also gather your recipes, invoices and medical records. Having these supporting documents to hand is an essential part of the process as they evidence your need to make a claim.
If you have any specific requirements, you may want to contact your OSHC provider. They can help you make the claim or give you advice and guidance. Many providers also offer online portals to help guide you through the process if needed.
Most importantly, take your time. Read things carefully and double check your details. You don’t want to make any simple mistakes.
Step-by-Step Guide to Making an OSHC Clai
Now that you’re prepared, let’s go through every step you need to take in order to make your OSHC claim.
Step 1: Visit the Healthcare Provider
First up, visit your healthcare provider for whatever treatment you need. It’s essential you ensure the provider is recognised by the OSHC Insurer otherwise you won’t be able to make the claim. Some insurers have a network of approved providers, so double check this before receiving the treatment.
During the visit you should collect all the necessary information you need for making your claim.
Gather Necessary Documents:
When your healthcare visit is over, be sure to retrieve any invoices and receipts. This will serve as proof when making the claim. You can also ask for your medical record and a claim form as supporting documents.
Get any clarification you need, to ensure all documents are clear and completed properly..
Step 3: Fill Out the Claim Form
Next, you’re going to fill out the claim form. Carefully follow the instructions provided in order to accurately fill out this documentation. Have your policy number to hand, provide your details and make sure you tick all the relevant boxes correctly.
Some common mistakes include supplying incomplete information, missing documentation and missing deadlines. To avoid these, make sure you complete a full review of your claim form once you’ve finished filling it out.
Read through everything carefully to guarantee accuracy and remember to speak directly to your policy provider if you’re unsure.
Step 4: Submit the Claim
Once your claim is complete, the only thing left to do is submit it.
Methods of submission include online, through the mail, or even in-person. The method you choose depends entirely on your preference. We’d recommend one last check through all the documentations and then you’re free to send it off.
What Happens After You Submit a Claim?
Once you’ve submitted your OSHC claim, there are a couple of things to remember.
First, your OSHC provider will assess the claim, with processing times typically taking between 5 - 10 business days. Keep in mind, this can vary depending on your provider, so get some confirmation on this if you’re unclear.
When it comes to tracking your claim status, many providers have online portals that allow you to do this. Simply log into your account and the status information should be available. You may also receive updates via your email or as a text message, depending on your policy provider.
If you’re worried about claim delays, you can contact your provider directly to find out what’s going on. Common causes for delays include errors on the claim form, incomplete documentation, or because the providers are busier than usual. In some cases, it could also indicate rejection.
Whatever happens with your claim, understanding the process fully should help to ease and simplify the process. Remember to follow our guide and if you’re ever unsure, contact your policy holder.
Thinking of switching providers or setting up a new policy? Compare your options today with OSHC Australia to make the decision easier.
