Get cover to suit your budget and lifestyle.
ahm Overseas Student Health Cover
If you’re in Australia on a student visa, ahm will meet your OSHC requirements.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Australian Health Management, known as ahm, was founded in the 1970s and is now owned by Medibank. If you’re a student, read on to find out how ahm can meet your health cover visa requirements.
What visas does it cover?
If you’re an overseas student studying in Australia, you’re likely to be here on a Student Visa (Subclass 500). If so, you’re required by the Australian Government to have adequate hospital and medical cover during your stay in Australia.
This applies to all overseas students, whether you’re applying for a student visa, have one already, or are on a bridging visa while you wait for your student visa to be extended. Your spouse and any children under 18 who are staying with you in Australia must also have health cover while they are here.
Before you arrive and once you have arrived
You can either buy your ahm OSHC health cover online before you arrive in Australia or buy it once you’re here. If you purchase your cover overseas, it will take effect from the date you arrive in Australia.
If you buy your ahm OSHC health cover after you arrive in Australia, your cover starts once your premium has been paid, unless you’ve nominated a later commencement date because you’re transferring from another health fund.
Why would you get OSHC?
The reason the Department of Home Affairs (DHA) requires you to have health cover is because you won’t be covered by Medicare, Australia’s national health care program. So if you became ill or injured while in Australia, you’d have to pay your own hospital and medical bills. This might be very expensive, as treatment in a public hospital can cost as much as $2,500 a day.
What are the cover options?
ahm OSHC provides health insurance for singles, couples, families and single parents and covers the following:
- Medical cover: 100% of the Medicare Benefit Schedule (MBS) fee on GP consultations, 85% of the MBS fees for medical services provided outside of hospital (eg, specialists, pathology and x-rays) and 100% of the MBS fee for medical services provided when admitted to hospital (e.g. surgeon, anaesthetist etc).
- Hospital cover: Benefits towards hospital accommodation including overnight admissions, same-day admissions, intensive care and theatre fees in a partner private hospital, a non-partner private hospital (lower benefits paid) and a public hospital (shared room only). Also covers emergency ambulance and surgically implanted prostheses.
- Prescription medicines: Pays the difference between the PBS amount and the cost of the item up to $50 per item (limit of $300 per year).
If you choose to take out hospital cover with ahm, you’ll be covered for treatments including:
- Obstetrics and pregnancy-related services
- Heart-related admissions
- Appendicitis treatment
- Tonsils and adenoids removal
- Joint reconstructions
- Non-cosmetic plastic and reconstructive surgery
- Major eye surgery including cataracts
- Renal dialysis
- Psychiatric treatment
- Palliative care
- Surgical removal of wisdom teeth (hospital charges only).
Some things you need to know
When considering if ahm could be the right choice for your OSHC, it’s important to weigh up the pros and cons. Here are some of the key features:
- Access to ahm’s 24/7 Student Health and Support Line (includes a registered nurse, counselling services, legal advice, help with travel documents, interpreter and family and friends message service).
- Your choice of doctor or specialist for medical treatment in hospital.
- An easy online claims process.
- The option to include extras cover to access a range of ancillary services such as dental, optical and physiotherapy.
- No cover for accident and emergency facility fees raised by private hospitals (only public hospitals).
- Waiting periods for most services (2 months for pre-existing psychiatric conditions and 12 months for pre-existing medical conditions and pregnancy-related services including childbirth).
- No cover for treatment of a child over 18 years of age (standard with most OSHC products).
How to make a claim
Claiming on your ahm OSHC is easy. ahm OSHC members can claim in the following ways:
- Online. ahm Online Member Services
- App. ahm OSHC App
- Phone. 134 148
- Direct Billing. Members choice network
How to get a refund or cancel your policy
If you have to cancel your OSHC policy, ahm will refund all of your premium if you don’t come to Australia to study or if you pay for an extended stay and your visa is not extended.
ahm will also refund the unused portion of your premium if:
- you have to cancel your studies and return home
- your visa is cancelled or your status changes
- you’ve been granted permanent residency or another type of Australian visa
- you didn’t remain in Australia for at least 3 months while holding a student visa or
- you decide to leave Australia after completing your studies before your student visa expires.
More guides on Finder
Which insurers are doing health cards in Apple Wallet?
Australian iPhone users can finally access digital health insurance cards, but only some funds are offering them.
You can stay on your parents’ health policy until you’re 31 – if your fund plays ball
Aussies can stay on their parents' policy until they’re 31, and health funds are welcoming the changes.
7 health insurance deals to save you money at tax time
Avoid the MLS tax and get a rebate by taking out health insurance. Here are 7 deals that’ll save you money on your tax returns.
Prime Day’s best health and fitness deals: Garmin, FitBit, PranaOn
Stocking up on your favourite supplements or adding to your home gym, Amazon has got you covered with these red-hot offers.
Prime Day hottest health+fitness deals: 50% off Nike, Garmin and more
Amazon Prime Day is almost here, so we're taking a look at the health and fitness offers from last year.
Mouse plague and leptospirosis: How to save on the cost of getting your dog vaccinated
Queensland and NSW pet owners are being urged by vets to get vaccinated against leptospirosis, a deadly disease caused by rodents.
Stuck with Virgin or Qantas credits? How to take action
With snap border closures continuing to halt the travel plans of many in Australia, we asked seven Finder staff what they’re doing with their travel credits.
Medical expenses up 8.3% – how can you avoid being stung?
Out-of-pocket medical expenses have shot up by 8.3% for private healthcare patients, according to new figures from APRA.
Earn over $90K? You could save $900+ in tax with basic private health cover
Find out which four private hospital plans are cheaper than the Medicare levy surcharge.
Amazon Fire TV Stick 2021 review: Vastly improved, but buy the 4K model
Amazon’s mid-range Fire TV stick covers the basics in a more appealing way than the Lite stick, although you’re probably better off with the upgraded 4K model instead.
Save on your health insurance
Ask an Expert