What Happens Without OSHC? 5 Risks You Should Know About
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By PAGE Editor
When planning to study or work in Australia, there are numerous details to consider, from accommodation to cultural adjustments. However, one crucial aspect that should not be overlooked is health insurance, specifically Overseas Student Health Cover (OSHC). While it might seem like an additional expense, neglecting OSHC can have significant consequences.
Here are five risks associated with not having international student health cover in Australia.
1. High Medical Expenses
Australia's healthcare system is known for its quality, but it comes with a cost. Without OSHC, international students and workers are responsible for the full cost of medical treatments, which can be exorbitant. Simple visits to a general practitioner (GP) can cost upwards of AUD 70, while emergency treatments or surgeries can run into thousands of dollars. OSHC helps cover these expenses, providing financial relief and access to necessary healthcare without breaking the bank.
2. Limited Access to Medical Facilities
Without proper health insurance, accessing medical facilities can become challenging. Many medical providers require proof of insurance before offering services, especially for non-emergency treatments. This limitation can delay critical healthcare needs and create stress during medical emergencies. OSHC provides coverage for GP visits, hospital care, and even emergency ambulance services, ensuring that you receive timely and appropriate medical attention.
3. Visa Compliance Issues
For international students, holding OSHC is often a mandatory requirement of their visa. Failing to maintain valid health insurance can lead to visa non-compliance, potentially resulting in visa cancellation or difficulties when renewing it.
Immigration authorities take health insurance requirements seriously as it ensures that international students do not become a financial burden on Australia’s healthcare system. Therefore, maintaining OSHC is not just a health safeguard but also essential for staying legally in the country.
4. Lack of Coverage for Prescription Medications
Prescription medications in Australia can be expensive, especially for chronic conditions that require ongoing treatment. OSHC typically covers part of the cost of prescription medications, easing the financial burden.
Without insurance, individuals are left to cover the entire cost of medications, which can quickly add up. This lack of coverage can discourage individuals from seeking necessary medical treatments or adhering to prescribed medication regimens, negatively impacting their health.
5. Inadequate Support in Emergencies
Medical emergencies can happen at any time, and the last thing anyone needs is the added worry of financial constraints. OSHC provides coverage for emergency ambulance services and hospital treatments, ensuring that you receive immediate and appropriate care. Without insurance, individuals may face delays in treatment or even avoid seeking help due to cost concerns, leading to worsened health outcomes.
Conclusion
Overseas Student Health Cover (OSHC) is more than just a visa requirement—it is a vital safeguard against unforeseen medical expenses and emergencies. Without OSHC, international students and workers in Australia are exposed to high medical costs, limited access to healthcare, visa compliance issues, expensive prescription medications, and inadequate support during emergencies.
By securing OSHC, you not only fulfil visa requirements but also ensure peace of mind, knowing that you are covered in times of need. When planning your move to Australia, prioritize your health and well-being by investing in international student health cover—it is a small cost compared to the potential financial and health-related risks of going without it.
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