A Complete Guide to OSHC for International Students in Australia

Studying in Australia is an exciting adventure filled with opportunities for learning, growth, and cultural exchange. However, along with preparing your academic documents and travel plans, one essential requirement for international students is securing Overseas Student Health Cover (OSHC). This guide will explain everything you need to know about oshc, from what it covers to how to choose the right provider.

What is OSHC?

Overseas Student Health Cover (OSHC) is a type of health insurance specifically designed for international students in Australia. It helps cover the cost of medical and hospital care you may need during your stay. The Australian Government makes OSHC compulsory for almost all student visa holders (subclass 500) to ensure students can access affordable healthcare without financial strain.

Why is OSHC Mandatory?

Healthcare in Australia is world-class, but it can also be expensive for non-residents. Without insurance, even basic treatments can cost hundreds of dollars, while hospital stays can run into thousands. By making OSHC mandatory, the government ensures international students are protected from unexpected medical expenses and can access healthcare services when needed.

What Does OSHC Cover?

OSHC policies vary depending on the provider and plan, but most include:

• Doctor Visits (GP services): Helps cover the cost of seeing a general practitioner.
  
  
• Hospital Treatment: Covers in-hospital medical services such as surgery, accommodation, and specialist fees.
  
  
• Emergency Ambulance Services: Most policies cover ambulance transport during emergencies.
  
  
• Prescription Medicines: Partial coverage for prescribed medications, with limits on how much you can claim.

What OSHC May Not Cover

• Dental, optical (glasses/contact lenses), and physiotherapy are usually not included in standard OSHC.
  
  
• Elective cosmetic surgeries are excluded.
  
  
• Pre-existing conditions may have a waiting period before coverage begins.
  
  

If you want broader coverage (e.g., dental or eye care), you can purchase Extras Cover from some insurers.

Types of OSHC Policies

There are two main categories:

• Single Policy: For individual students.
  
  
• Couple/Family Policy: For students coming with a spouse or dependent children.
  
  

It’s important to choose the right type depending on your visa application, as incorrect cover may affect your visa compliance.

How Much Does OSHC Cost?

The cost of OSHC depends on your provider, coverage level, and duration of study. On average:

• A single policy may cost AUD $450–600 per year.
  
  
• Couple or family cover can cost AUD $2,500–5,000 per year.
  
  

Prices are regulated to some extent, but providers can set competitive rates. Always compare policies before purchasing.

Approved OSHC Providers

The Australian Government authorizes only specific insurers to offer OSHC. Major providers include:

• Medibank
  
  
   
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  • Bupa Australia
    
    
     
   
  • Allianz Care
    
    
     
   
  • nib OSHC
    
    
     
   
  • ahm OSHC
    
    
     
   

You can purchase directly from these insurers, through your education agent, or via your university.