OSHC >> OSHC Basics: What’s Covered and What’s Not
OSHC Basics: What’s Covered and What’s Not
Navigating health insurance as a student can feel like trying to read a textbook in another language—confusing, overwhelming, and not exactly fun. So we asked: what do students actually want to know about their OSHC (Overseas Student Health Cover)? Here's the lowdown, with some real-talk from our student crew.
Is STI Testing or Counselling Covered?
Antonio had his first STI test after hearing a mate mention it during a group project. “I was kinda nervous—and confused if my insurance even covered it,” he admitted. Turns out, OSHC can cover STI testing and consultations, but there are a few catches.
What's Covered:
A GP visit to talk about sexual health - Usually covered.
STI tests (for chlamydia, gonorrhoea, HIV, etc.) - Sometimes—but only if your doctor thinks it's needed and it's on the MBS (Medicare Benefits Schedule).
The test itself — Usually 85% of the set government fee is covered. If the clinic charges more, you pay the difference (that's the gap fee).
Antonio's Tip:
Melbourne Bonus:
Li's Note on Counselling:
How do I actually make a claim?
Zara says it best:
How Claims Work:
Pay for your appointment
Get a receipt and invoice
Log in to your OSHC provider's app or website
Upload the documents
Wait (usually 3–10 business days)
App Hacks:
💡 Tip: These apps make it easier to submit claims, find providers, and keep track of your OSHC benefits without piles of paperwork.
Kaito's Pro Tip:
Save These Documents:
Is Contraception Covered?
Sally lives in a small regional town, and getting contraception discreetly was tricky. “I didn't want to ask too many questions at the pharmacy in case people I knew were around,” she shared.
Here's what OSHC usually covers:
GP/NP Appointment - Yes, it's typically covered when you go to talk about contraception.
The Contraceptive Itself:
If your contraception is listed on the PBS (Pharmaceutical Benefits Scheme), OSHC may cover part of the cost.
If it’s not on the PBS, you’ll likely pay the full price — though some insurers may offer partial reimbursement depending on your policy.
💡 Prescriptions for contraceptive pills are often written for a 3-month supply at a time.
| Contraceptive Type | GP Visit? | Product Covered? | Notes |
|---|---|---|---|
| Pill (Combined/Prog) | Partially or not covered | Might pay a small gap | |
| IUD (Hormonal) | Maybe | Insertion may cost extra | |
| IUD (Copper) | Usually not covered | ||
| Implanon | Partially | Ask about bulk billing | |
| Emergency Pill | OTC version not covered | ||
| Condoms | Not covered at all | ||
| Termination of Pregnancy (Medical / Surgical) | (Typically need a referral) | Maybe | Not covered at all |
Yes, you usually need to see a GP/NP
No, you don’t need a GP/NP or it’s not covered
Maybe, Coverage depends on your insurer
💊 Did you know? The morning-after pill (emergency contraception) can be prescribed and dispensed directly by a community pharmacist—no GP visit needed.
📝 Plus, in Victoria, some pharmacists can now prescribe oral contraceptives for up to 24 months, but you’ll still need at least one consult with a GP or nurse practitioner to get started.”
Are Psychology or Specialist Visits Included?
After a stressful semester, Li reached out for mental health support. “There's still stigma in my community, but honestly, getting help saved me.”
Mental Health:
Costs:
Zara Adds:
Other Specialists Covered:
Just remember—you'll need a GP referral first!
Quick Hack:
Are There Limits or Yearly Caps?
Lina juggles studies and parenting - and every dollar counts. “I didn't realise there was a cap on my child's medicine until the pharmacy told me.”
Here's what's fully covered:
Emergency hospital care
Ambulance for emergencies
But other stuff? Caps apply.
Common Caps:
⏳ Waiting Periods:
Kaito's Tip:
Final Thoughts
No one hands you an “adulting” guide when you arrive in Australia—but understanding your health cover is a huge step in looking after yourself. Whether it's sorting contraception, talking to a psychologist, or just claiming back $50 from a GP visit—OSHC is there to support you. If in doubt? Ask your GP, check your insurer's app, or chat to your uni health service, or contact your OSHC provider directly. You're not alone in this.
