Страховка OSHС

[stavrid]

Доброго времени суток всем.

Собираюсь учится в Австралии 2 года. Университет просит оплатить медстраховку Overseas Student Health Cover (OSHС). Говорят, что эта стаховка как филькина грамота, случись чего платить все равно из своего кармана.

Так ли это? Можно узнать смогу ли я получить какую-то компенсацию при оплате мед.услуг?

Ответы, вроде - ты в Австралию учиться едешь, а не болеть  - не принимаются. Нужна конкретная информация по теме.

[Avia]

Эта страховка на случай эвакуации вас на скорой помощи во время природных катаклизмов. На стоматологические, офтальмологические и физиотерапевтические услуги эта страховка не распространяется.

Насчет остального не в курсе. Если предполагаете, что может понадобиться помощь каких-то специалистов, делайте другую страховку подороже, которая включает услуги нужных врачей.

Я так понимаю, что это самая дешевая страховка, потому что для здоровых и молодых.

[Avia]

Кстати на сайте фонда Австралии BUPA рассчитали страховку OSHС на 6 месяцев за 210 $, а на два года - $798.00 с учетом скидки.

[Ninja]

stavrid, если вы владеете английским на достаточном уровне, то все ответы на ваши вопросы можете найти на сайте департамента здравоохранения Австралии: http://www.health.gov.au/internet/main/publishing.nsf/Content/Overseas+Student+Health+Cover+FAQ-1

What does OSHC cover?

OSHC provides a safety net for international students. It includes cover for visits to the doctor, some hospital treatment, ambulance cover and limited pharmaceuticals.

OSHC includes cover for:

   * the benefit amount listed in the Medicare Benefits Schedule (MBS) for out-of-hospital medical services (for example, a general practitioner)

   * 100 per cent of the MBS fee for in-patient medical services (for example, surgery)

   * public hospital shared ward accommodation

   * private hospital shared ward accommodation (only for hospitals that have contractual arrangements with the overseas student’s health insurer)

   * day surgery accommodation

   * some prosthetic devices

   * limited pharmaceuticals

   * ambulance services.

What is not covered by OSHC?

High cost pharmaceuticals

Under OSHC policies, benefits are paid for up to $50 per pharmaceutical item to a maximum of $300 a year for a single membership ($600 for a family membership). Overseas students may face significant out of pocket costs if they need treatment with pharmaceuticals, particularly oncology (cancer) treatment.

Other treatments/services not covered under OSHC

   * assisted reproduction services, such as in-vitro fertilisation (IVF)

   * treatment arranged before coming to Australia

   * treatment needed while travelling to or from Australia

   * treatment during the first 12 months of membership for pre-existing medical conditions or disabilities

   * pregnancy-related services if the length of the visa is 3 months or less

   * transportation of an overseas student or dependent into or out of Australia for any reason

   * treatment covered by provisions for compensation and damages.

OSHC does not pay for general treatment (ancillary or extras cover, for example dental, optical or physiotherapy). Overseas students requiring cover for these types of health services may take out Extra OSHC provided by an OSHC provider or general treatment cover with any Australian registered private health insurer.

Overseas students are also free to supplement OSHC with other insurance, such as international travel insurance. If you require Extra OSHC or general treatment cover, you should contact the insurers for further information.

How much does OSHC cost?

The average cost of OSHC is $423 (Australian Dollars) for 12 months single cover, $846 for 12 months family cover (current as at January 2011).

What if I need treatment?

You can choose to visit any general practitioner or go to the outpatients department of a public hospital. If necessary, the doctor will refer you to a specialist for further treatment. If you require hospitalisation, you can choose to be admitted to either a public hospital or a private hospital. Make sure you check with your OSHC provider before you are admitted to a private hospital because not all services will be covered if you go to a private hospital and you may have to pay extra if the private hospital does not have contractual arrangements with your OSHC provider.

How do I pay for treatment?

When you receive a bill for medical treatment, there are generally two choices. You can pay the bill and then get a refund from your health insurer, or the unpaid account can be given directly to your health insurer. For pharmaceutical claims, you need to pay the chemist first and then claim back from your health insurer.

Hospital bills are normally sent directly to health insurers for payment. However, arrangements for payment of treatment expenses will vary between health insurers. You should contact your health insurer for further information.