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Your Complete OSHC Guide for Australia

What is OSHC?

Overseas Student Health Cover (OSHC) is mandatory insurance for international students in Australia. It covers:

  • Doctor & hospital visits
  • Emergency ambulance
  • Limited prescriptions
  • Medical emergencies
Learn More

Visa Compliance

Your student visa requires OSHC before arriving in Australia. We help you:

  • Match coverage to visa dates
  • Avoid visa breaches
Visa Rules

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1

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OSHC Frequently Asked Questions

Find answers to common questions about Overseas Student Health Cover in Australia

Absolutely. The Australian government requires all international students on a student visa to maintain valid Overseas Student Health Cover (OSHC) for the duration of their stay. This ensures you have access to necessary medical services without facing financial hardship.

OSHC generally covers visits to doctors, hospital treatment, limited pharmaceuticals, ambulance services, and some prosthetic devices. Coverage amounts vary by provider, so it's important to check your specific policy details.

Most providers offer multiple claim methods: online through their portal, via their mobile app, or by submitting paper forms. Many medical providers can also bill your insurer directly if you present your OSHC card at the time of service.

Yes, most providers offer family cover options for your spouse and dependent children. Family coverage typically costs more than individual policies, but may offer savings compared to purchasing separate policies.

You'll need to extend your OSHC before it expires to maintain continuous coverage. Most providers allow easy extensions through their websites. Remember that maintaining valid OSHC is a visa requirement, so don't let it lapse.

OSHC typically has a 12-month waiting period for pre-existing conditions (conditions you had before arriving in Australia). After this waiting period, some coverage may become available, but limitations often apply.

OSHC is specifically designed for international students, while Medicare is Australia's public health system for citizens and permanent residents. OSHC provides similar coverage to Medicare but is provided by private insurers and tailored to student needs.

Most providers offer partial refunds if you leave Australia permanently before your policy expires. You'll typically need to provide proof of departure (like flight tickets) and may need to pay an administration fee. The refund amount is usually pro-rated for the unused coverage period.

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