There is a possibility of an out-of-pocket expenses, even though you have your OSHC cover, as some of the private health fund rebates do not cover the fees charged by the medical practitioners. If you however go to bulk-billing doctors or preferred providers, you could avoid that but it is best if you read all the brochures in the OSHC brochures section-Client Resources and decide. You can also call the insurer directly, if you have any questions before taking the policy.