Health insurance for Saudi student overseas

Need help? Call us on 1800 783 685 Mon to Fri: 8am – 8.30pm Sat: 8am – 1pm (AEST) Go to nib.com.au/saudihealth nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW 2300

2 3

nib Saudi Health Cover Meets the DIBP visa requirements

Provides cover for medical and hospital treatment if you get sick or have an accident while you are studying in Australia

Covers you Australia wide for emergency ambulance transport

Who can be covered under nib Saudi Health Cover Singles – cover for only you.

Couples – covers both you and your partner if they live with you in Australia and are listed on your visa.

Families – covers you, your partner and any dependent children aged under 18 living with you in Australia and listed on your visa.

Overseas Student Health Cover (OSHC)

SECTION 01

If you have any questions please call 1800 783 685

As you are aware international students who wish to study in Australia are required as part of their visa application through the Department of Immigration and Border Protection (DIBP) to show proof they have purchased relevant health insurance.

The information contained in this product information brochure is current as at 20 April 2015. This brochure is a summary of the key features of the nib International Students Fund Rules Extract and Product Information and should be read in conjunction with these Fund Rules available at nib.com.au/saudihealth or by calling 1800 783 685. Please read this brochure and keep a copy for your records. Rules and benefits may change from time to time.

Welcome to nib We hope you have an exciting and enjoyable time in Australia.

Taking care of your health is essential for a happy and successful visit to a new country.

At nib, we believe that health cover should be easy to use, easy to understand and most of all good value.

Why over 1 million customers trust nib in Australia and New Zealand

Over 60 years experience in providing health cover

Dedicated Customer Service Team

Easy mobile claiming

24 hour Online Services

Contents Overseas Student Health Cover (OSHC) 3

nib Saudi Health Cover 4

nib Online Services 8

Seeking medical treatment 9

nib Saudi Health Cover provides peace of mind in knowing that you are covered for those unexpected health needs.

4 5

SECTION 02nib Saudi Health Cover

If you have any questions please call 1800 783 685

As a valued Saudi Scholarship student the Saudi Arabian Cultural Mission has chosen comprehensive health insurance for you. nib Saudi Health Cover will help you pay for medical, hospital treatment plus Extras services (such as dental, optical, physiotherapy, etc) you may need should you get sick or have an accident while you are in Australia. The following is an explanation of your Saudi Health Cover.

General Exclusions Exclusions are services not covered under your health cover. You will not receive a benefit for the services listed below.

General exclusions applying to all benefits (including dental and optical)

✗ Elective cosmetic surgery (including gender reassignment and surgery) only where services are not listed on the Medicare Benefits Schedule

✗ Organ donor treatment where services are not listed on the Medicare Benefits Schedule, unless expressly provided otherwise

✗ Treatment considered not medically necessary (e.g. health screening for visa renewals)

✗ Treatment outside of Australia or arranged before arriving in Australia

✗ Luxury hospital rooms and other non-essential items like TV hire, beauty treatments and phone calls

✗ Items and services delivered by providers not recognised by nib

✗ Contraception

✗ Allergy testing, unless prescribed by a physician or other registered medical practitioner for an illness covered under the policy

✗ Alopecia, wigs and toupees

✗ Any care, service, equipment or treatment obtained for testing, research or experimental purposes

✗ Treatment by physicians or practitioners who are not licensed or registered in accordance with applicable regulatory requirements

✗ Treatment at facilities which are not licensed or registered in accordance with applicable regulatory requirements

✗ Medical appointments not kept or complied with

✗ Any cost or expenses incurred after the expiry date of the coverage, except in respect of the claims accepted by the Service Provider before the expiry date of the coverage

✗ Claims which contain inaccurate or false information

✗ Services where a customer is eligible to receive benefits from a liable third party (e.g. under Compulsory Third Party insurance or Worker’s Compensation insurance)

✗ Any duplication of service or medical supplies

✗ Any service or medical supplies received through any relatives of the Insured

✗ Any service or medical supplies received free of charge

This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth

Medical services covered in-hospital

Medical services covered out-of-hospital

100% of the cost of public and private hospital accommodation for overnight and same day stays

Doctor visits

100% of the cost of service for consultations with a doctor for day-to-day health needs

100% of the cost of operating theatre, intensive care, ward fees

Specialist services

100% of the cost of specialist services and treatment to support day-to-day health needs, usually as requested by a doctor, such as:

Pathology Diagnostic Imaging.

100% of the benefit for approved surgically implanted prosthetic devices as determined by the Federal Government

Emergency Ambulance

100% of medically necessary transport provided by a State and Territory Ambulance Service

100% of the cost for medical treatment provided in a hospital includes:

Doctors and Specialists Pathology and Diagnostic Imaging.

If you are considering bariatric surgery benefits may be paid at a lower benefit. Please contact nib for more details

MRIs

MRI scans are only payable by nib if all three (3) of the following criteria are met:

The MRI must be referred by a registered specialist medical practitioner and

The MRI must be listed on the Medicare Benefits Schedule (MBS) and have an eligible Medicare Item Number and

The MRI must be performed on a Medicare Eligible MRI Unit by a Medicare eligible provider.

6 7

If you have any questions please call 1800 783 685

Saudi Health Cover Students Extras Cover

Extras Cover (additional services covered)

Annual Limit (maximum amount claimable per person in a calendar year)

General dental

Major dental (excludes implants unless as a result of an accident)

Orthodontia^ (Lifetime limit $3,500)

Combined dental annual limit $5,500

*Dental services required as a result of an accident – 100% (Proof of accident required. Benefits will be

paid from annual limits first.) ^Orthodontia: Only payable if medically necessary

and has a $3,500 lifetime limit.

Optical $300

Physiotherapy

Acupuncture

Chiropractic

Osteopathy

Podiatry

Exercise physiology

Combined annual limit $500 *100% coverage for therapy due to an accident or surgical procedure (pre-operative & post-operative

care). Includes physiotherapy, chiro, osteo. Proof will be required before benefits paid.

Pharmaceuticals (PBS, non-PBS, listed on the ARTG & Mims published)

Unlimited

Speech Therapies 100% cost

Home nursing 100% cost

Occupational therapy 100% cost

Antenatal & postnatal services (such as classes & lactation)

100% cost

Hearing aids annual limit $12,000 (please contact nib for specific replacement limits)

Artificial aids 100% cost

(please contact nib for specific inclusions, restrictions and replacements)

Extras Exclusions Optical exclusions (in addition to the General Exclusions)

✗ Laser eye surgery to correct or improve vision (unless listed on MBS)

✗ Cosmetic contact lenses

✗ Replacement of glasses or lenses due to theft or loss

Dental exclusions (in addition to the General Exclusions)

✗ Any procedure related to the correction of vertical dimensions of the jaw, except as required as a result of an accident during the policy period

✗ Artificial teeth, or part thereof, except as required as a result of an accident during the policy period. Artificial teeth mean fabricated teeth made of porcelain or other synthetic compound as imitation of natural teeth

✗ Replacement of bridges, crowns and dentures, where repair is possible

This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth

8 9

Seeking medical treatment

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone is a trademark of Apple Inc.

Claim in a snap with the nib App.

■ Download the free nib App today

■ Upload a photo of your official provider receipt

■ Benefit is paid directly into your bank account

Available for iPhone®, iPad® and Android™

nib Online Services Our Online Services makes it easy for you to manage and access your health cover at anytime and anywhere. To register for nib Online Services visit nib.com.au

Update your contact details, e.g. your Australian address and bank account details

View your health cover and what you are covered for

Submit a claim

View your claims history

Order a replacement customer card

SECTION SECTION 03 04nib Online Services

Healthdirect Australia Provides access to health information and advice over the phone.

To talk to a registered nurse call Healthdirect Australia on 1800 022 222 or visit healthdirect.gov.au for health information. Available 24 hours a day, 7 days a week.

Healthdirect Australia does not provide a health diagnosis and does not replace the services of a doctor or hospital emergency department.

When to see a doctor or specialist If it is not an emergency and you are feeling unwell visit your local doctor. In Australia a doctor is called a GP (or ‘General Practitioner’). A GP can prescribe treatments or medicines. A GP may refer you to a specialist for further investigations or treatment.

What if it is a medical emergency In the event that you have a medical emergency for example a life threatening illness or a serious injury that needs immediate attention, then you should go to the nearest hospital emergency department. If your condition is serious and you cannot get yourself to a hospital, call ‘000’ for an ambulance.

This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth

10 11