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What Does OSHC Cover?

What's Covered?


  • 100% of the  Medicare Benefits Schedule (MBS) fee for medical services provided in hospital 
  • Public hospital shared ward accommodation for overnight or same-day hospital stays 
  • Private hospital accommodation (for hospitals that have a contracted rate with Australian Health Services Alliance)
  • Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List 


  • You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment

Doctors and specialists (out of hospital)

  • 100% of the MBS fee for medical services provided by a General Practitioner (GP) 
  • 85% of the MBS fee for medical services provided by a specialist (e.g. visiting a radiologist to get an x-ray)
  • 85% of the MBS fee or other medical tests (e.g. blood tests)

Prescription medicines

  • Up to $50 per approved prescription medicine 
  • Up to $300 each year for singles 
  • Up to $600 each year for families or couples

Disclaimer For more details read the relevant policy document below. You can only claim prescription medicines included in the Pharmaceutical Benefits Scheme (PBS) list and for items that cost more than the PBS co-payment fee. To see the full list of PBS medicines and the current co-payment fee, visit the Department of Health website.

Things you should know

  • What we don’t pay for
  • MBS explained
  • Waiting periods

Product information

Extra cover for OSHC

OSHC Extras will help you pay for some common health services not covered by your standard OSHC policy. With Extras, you’ll be covered for dental, optical, chiropractic and physiotherapy, just to name a few. OSHC Extras is offered by Peoplecare Health Limited.