Many students face avoidable issues with OSHC claims and coverage. Learn key ways to use your health cover correctly.

Not Understanding Policy Limits

Ignoring coverage limits can lead to unexpected out-of-pocket costs.

Know what’s included and excluded in your OSHC plan.

Delaying Claims Submission

Late claim submissions can be rejected or delayed.

Submit claims promptly with all supporting documents.

Using Non-Network Providers Without Checking

Visiting providers outside your insurer’s network can increase fees.

Confirm provider status before appointments where possible.

Ignoring OSHC Renewal Dates

Failure to renew on time risks losing coverage and visa compliance.

Always track your policy expiry and renew ahead.