What OSHC Dental Cover Includes: Checkups, Cleaning, and Fillings

What OSHC Dental Cover Typically Includes

OSHC (Overseas Student Health Cover) is designed to cover medical and hospital costs for student visa holders. However, most OSHC policies do not include routine dental care as part of the base cover. This means that services like checkups, cleaning, and fillings are usually not covered unless you have added extras cover.

Extras Cover for Dental Services

To get coverage for dental treatments, you generally need to purchase an extras or add-on cover. This can include benefits for:

• Dental checkups
• Teeth cleaning (scale and polish)
• Fillings
• Other restorative treatments

Each OSHC provider offers different extras options, so it's important to compare what is included and any limits that may apply.

Comparing Dental Extras Across OSHC Providers

When comparing dental extras, consider the following:

• The annual limit for dental services
• The percentage of the fee that is reimbursed (e.g., 60% or 70%)
• Any waiting periods that apply
• Whether there are sub-limits for specific treatments like checkups or fillings

It is advisable to check the product disclosure statement (PDS) of each provider to understand the exact benefits and exclusions.

Considering Your Dental Needs

If you anticipate needing dental treatment during your stay, it's wise to budget for this. You can either pay out-of-pocket or choose an extras cover that fits your needs. Make sure to review the waiting periods and annual limits, as they can affect how much you receive.

For more details on comparing OSHC providers, you might find this article helpful: Comparing Five DHA-Approved OSHC Providers for Student Visa Holders.

Frequently Asked Questions

Are dental checkups covered under OSHC?

Dental checkups are generally not covered under the base OSHC policy. Coverage is typically available through optional extras cover.

Are teeth cleaning and fillings covered?

Yes, these services can be covered if you have dental extras cover, but benefits are subject to annual limits and waiting periods.

How much can I claim for dental services?

The amount you can claim depends on your policy's reimbursement percentage and annual limit. Check your PDS for specific figures.