Using Your Student Health Cover Effectively
Having OSHC is one thing, knowing how to use it is another. This guide helps you maximize your coverage.
Before Your Medical Visit
- Check if the clinic accepts your OSHC provider
- Bring your OSHC card and student ID
- Know your policy number
- Understand what services are covered
Making a Claim
Direct Billing: Some clinics bill your OSHC provider directly. You pay nothing or only the gap.
Manual Claims: If you pay upfront, submit a claim through:
- Provider's mobile app
- Online member portal
- Email or post with receipts
What You Need for Claims
- Original receipts
- Medical certificates (if applicable)
- Prescription details
- Bank account details for refunds
Common Gotchas
- Waiting Periods: Some services have 2-12 month waiting periods
- Pre-existing Conditions: Usually not covered for 12 months
- Dental and Optical: Limited coverage, consider extras
- Ambulance: Covered, but keep receipts
Tips for Maximum Benefits
- Use university health services when possible
- Keep all medical receipts
- Submit claims promptly
- Download your provider's app
- Know your coverage limits
