OSHC Dental Coverage: What It Covers and How Extras Compare
Find out what OSHC typically covers for dental services and how extras cover can help with check-ups, cleans, and fillings.
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What OSHC Covers for Dental
Overseas Student Health Cover (OSHC) is designed to help with medical services that are medically necessary. In general, OSHC does not cover routine dental treatments such as check-ups, cleans, or fillings. These are considered extras or general treatment services, which are not included in the standard OSHC product.
Why Dental Extras Matter
Because OSHC typically excludes routine dental care, many students consider purchasing an extras or ancillary cover to help with the cost. Extras cover can contribute towards services like dental check-ups, cleans, and fillings, depending on the policy. However, the specific benefits, waiting periods, and annual limits vary between insurers and plans.
Comparing Extras Dental Benefits
When comparing extras policies, it’s important to look at the level of cover for each dental item. Some policies offer higher benefit amounts for major dental work, while others focus on preventative care. Always check the product disclosure statement (PDS) to understand what you’re covered for and any exclusions.
Making a Claim
Claims for dental extras are usually made in one of two ways: you may pay upfront and then claim a rebate, or the dentist may be able to claim directly through the insurer if they are a preferred provider. The exact process depends on your insurer and the dental clinic.
Before You Buy
Before adding extras cover, assess your dental needs and compare policies. Keep in mind that waiting periods often apply before you can claim on dental services. Always review the latest official information and the terms of any policy you’re considering.