Overseas Student Health Cover (OSHC) & Overseas Visitor Health Cover (OVHC)
If you are an international student coming to Australia on a subclass 500 student visa, maintaining Overseas Student Health Cover (OSHC) is mandatory for the entire duration of your stay. OSHC ensures you have access to essential healthcare services, helping you avoid large out-of-pocket expenses in case of illness or injury.
What Is OSHC?
Health insurance is crucial while studying abroad, as medical costs in Australia can be high. OSHC provides peace of mind, allowing you to focus on your studies without worrying about healthcare expenses. It covers essential medical services and ensures you meet your student visa requirements.
Key Benefits of OSHC
OSHC covers a wide range of healthcare services, including:
General Practitioner (GP) Visits
Consultations with family doctors and general health check-ups.
Hospital Services
Inpatient and outpatient hospital treatment, including accommodation, surgeries, and specialist care.
Emergency Ambulance Services
Transportation to hospital in case of medical emergencies.
Prescription Medications
Partial coverage for prescribed medicines obtained through a pharmacy.
Pathology & X-rays
Coverage for diagnostic tests, pathology services, and medical imaging.
Mental Health Services
Support for mental health consultations and counseling services.
Note: Coverage specifics may vary between providers and plans. Some services, such as dental, optical, or physiotherapy, may require additional coverage.
Choosing an OSHC Provider
Several trusted providers in Australia specialise in health coverage for international students:
Allianz Care Australia OSHC
Bupa OSHC
Medibank OSHC
nib OSHC
aia OSHC
When choosing a plan, consider factors such as monthly premiums, coverage inclusions, claim process, and customer service. Your university or education agent can often provide guidance to help you select the plan that best suits your healthcare needs and budget.
Renewing OSHC
If your study program is longer than 12 months, you must ensure your OSHC policy is renewed before it expires. Most providers offer multi-year plans, allowing students to maintain continuous coverage throughout their studies.
Transitioning to OVHC After Graduation
Once your studies are complete and you apply for a Temporary Graduate Visa (subclass 485) or other temporary visas, you will no longer be eligible for OSHC. At this stage, you must transition to Overseas Visitor Health Cover (OVHC).OVHC is designed for individuals temporarily in Australia and provides coverage similar to OSHC:
Hospital Services
Access to private and public hospital treatment.
Medical Services
GP consultations, specialist visits, and pathology services.
Emergency Ambulance
Coverage for urgent medical transportation.
Additional Options
Some OVHC plans include extras such as optical, dental, or physiotherapy services.
OVHC plans are available from providers such as Allianz Care Australia, Medibank, nib etc. Choosing a plan that suits your post-study healthcare needs is essential for ensuring you are adequately covered during your stay in Australia.
Why Health Insurance Is Important
Maintaining health insurance is not only a visa requirement but it also protects you financially and ensures access to high-quality healthcare services when needed. Without OSHC or OVHC, even a minor medical visit could result in substantial costs, which can be particularly challenging for international students.
Tips for International Students
Compare Plans Before Arrival
Review inclusions, exclusions, and premiums of different OSHC providers.
Keep Your Policy Updated
Ensure your OSHC or OVHC policy remains valid throughout your stay.
Understand Your Coverage
Know what services are covered, claim procedures, and emergency contacts.
Seek Assistance When Needed
Universities and education agents can provide guidance if you face issues with your health insurance.
Stay Protected with Proper Health Coverage
With OSHC and OVHC in place, you can focus on your studies, experience Australia confidently, and access medical care whenever you need it — ensuring a safe and smooth international education journey.