- Health Insurance that meets overseas student visa requirements
- Get 100% back to the Medical Benefits Schedule (MBS) for all doctor visits (general practitioner consultations)
- Part of the cost for prescription drugs
- Cover for hospitalisation anywhere in Australia
- Simple and easy online claiming of benefits
For students coming to Australia to study and are seeking OSHC to fulfil their student visa application.
| Inclusions |
Exclusions |
The out-patient services only covered - General Practitioner consultations 100% of MBS fee for Out-patient doctors
- Specialists services 85% of MBS fee for Out-patient specialist
For example: Pathology, Radiology, X-rays, Diagnostic testing
- Prescription medicines $300 annual limit (Singles), $600 annual limit (Couples/Families)
Up to $50 per prescription item (after you pay the PBS patient contribution) listed on the Pharmaceutical Benefits Scheme (PBS)
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The services not covered - Transportation into or out of Australia under any circumstances
- Treatment outside of Australia or treatment arranged before arriving in Australia
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| Inclusions |
Exclusions |
The only services covered when an in-patient - In-patient Medical Services 100% of MBS fee for in-patient medical provided in a hospital including doctors, specialists, pathology and radiology.
- Accident and emergency services
Public Hospital – 100% of the rate^ determined by State and Territory health authorities for services charged to a patient who is not an Australian resident
nib Agreement Private Hospitals or day surgeries – 100% of the nib contracted rates* - Shared ward accommodation Public Hospital – 100% of the rate^ determined by State and Territory health authorities for services charged to a patient who is not an Australian resident
- The full cost of private or shared room accommodation nib Agreement Private Hospitals or day surgeries – 100% of the nib contracted rates*
- Theatre fees and same day services
Public Hospital – 100% of the rate^ determined by State and Territory health authorities for services charged to a patient who is not an Australian resident
nib Agreement Private Hospitals or day surgeries – 100% of the nib contracted rates* - Prostheses No gap prostheses listed on the Australian Government Prostheses Schedule or minimum benefit for gap permitted prostheses.
- Ambulance 100% of medically necessary transport provided by a State and Territory Ambulance Service.
Waiting periods apply Waiting periods
- 12 months waiting period applies for pre-existing conditions.
A pre-existing condition is a medical condition or disability which you had before your nib OSHC commenced – this could be the date you arrived in Australia, or joined nib, whichever is later.
- 12 months waiting period applies for pregnancy and birth related services from the time an Overseas Student enters Australia on a student visa.
- 2 months waiting period applies for psychiatric pre-existing conditions as an In-patient or Out-patient
What is hospital cover? |
The services not covered - Infertility treatment Like assisted reproductive services or in-vitro fertilisation and secondary conditions related to infertility treatments
- Services not covered by Medicare Such as cosmetic surgery, laser eye treatment or experimental surgery
- Treatment outside of Australia or treatment arranged before arriving in Australia
- Services and treatments that are covered by compensation or damages of any kind Like workers compensation or third party insurance
- Luxury hospital rooms and other non-essential items Like TV hire, beauty treatments and
phone calls - Extras services Treatments by dentists, physiotherapists, chiropractors or any other Extras service providers (unless directly related to a hospital admission and completed in hospital), or other Extras services such as glasses, hearing aids or artificial aids
- Treatments that fall within waiting periods
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Important information The hospital services shown are examples only and intended to be used as a guide. Please be aware that some procedures may not be covered. You should always check with nib before you go to hospital to find out if you've got the cover you need. In some cases there may also be some drugs and surgical items for which your cover will not pay benefits. Please be aware waiting periods may apply for hospital and Extras services for this cover even if you're an existing nib customer or transferring from another fund. For more information please call nib on 1800 775 204. *Restrictions apply If you choose to be treated in a non-contracted private hospital you’ll be required to pay any difference between the OSHC benefit, and the hospital accommodation cost. ^Public Hospital chargesIf the public hospital charges more than this rate you’ll be required to pay any difference between the OSHC benefit and the hospital charge. |
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