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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

Why Use AustraliaHealthCover?

1 Compare All Options: Side-by-side provider comparisons
2 Providers:Get Cover from BUPA, Allianz, AHM, Medibank, NIB & CBHS
3 eMail Delivery: Receive certificate via email

How It Works

1

Enter Your Details

Tell us what type of insurance you need and some basic information about yourself.

2

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We'll show you personalized quotes from top insurance providers in your area.

3

Choose Your Policy

Select the policy that best fits your needs and budget, then apply directly.

4

Save Money

Enjoy your new insurance policy knowing you got the best possible deal.

Why Choose Australia Health Cover

Fast Quotes

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No Hidden Fees

Transparent pricing with no surprise charges

Visa Compliant

All policies meet Australian student visa requirements

Trusted Providers

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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.

What Our International Students Say

"Coming from India, I was confused about OSHC requirements. This platform helped me compare all providers clearly and saved me AUD 200 on my first year's cover. The Hindi support was a bonus!"

"
Rahul Patel
Indian Student in Perth

"As a Chinese student, I needed OSHC that covered traditional medicine. This comparison showed me which insurers included acupuncture - saved me from expensive out-of-pocket costs!"

"
Wei Zhang
Chinese Student in Melbourne

"From Pakistan, I didn't know dental wasn't fully covered. This site compared extras coverage clearly - I upgraded to a better plan before my wisdom teeth removal!"

"
Ayesha Khan
Pakistani Student in Brisbane

"My Filipino friend recommended this. I found an OSHC with Manila office for claims - so helpful when my parents needed to follow up from home!"

"
Juan Dela Cruz
Filipino Student in Perth

"The comparison showed me which OSHC had Hindi-speaking doctors nearby. As an Indian student new to Adelaide, this made my transition much less stressful!"

"
Priya Sharma
Indian Student in Adelaide

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