Students in Australia with OSHC wearing flags

Overseas Student Health Cover (OSHC)

Visiting Australia to study? Compare OSHC that meets international student visa health insurance conditions.

The Department of Immigration and Border Protection (DIBP) requires people coming to Australia to study to take out an Overseas Student Health Cover policy to meet the health insurance requirements of visa condition 8501.

As overseas students, except from certain nations, are unable to access the Australian public health system called Medicare, OSHC ensures that they can get the medical treatment they need without having to pay excessive bills out of their own pocket.

Compare student health insurance policies

Details Features
AHM Overseas Student Health Cover
AHM Overseas Student Health Cover
  • Student visa compliant
  • Interpreter service included
  • 24/7 medical helpline
  • Private hospital accomodation
  • Out-of-hospital GP and specialist treatment
  • $300 ($600 for families) benefit for pharmaceuticals
Enquire Now More info
NIB Overseas Student Health Cover
NIB Overseas Student Health Cover
  • Student visa compliant
  • Smartphone claiming available
  • Instant OSHC Confirmation Certificate
  • Private hospital accomodation
  • Out-of-hospital GP and specialist treatment
  • $300 ($600 for families) benefit for pharmaceuticals
Enquire Now More info

How is an overseas student defined in Australia?

The DIBP classifies overseas students for health insurance purposes as those who are:

  • Holders of a student visa
  • Currently applying for a student visa
  • Holders of a bridging visa who were previously on a student visa

This classification applies whether you are studying, or planning to study, at an Australian university, TAFE institute or secondary school.

What is OSHC?

OSHC is a specialised type of health insurance policy designed to meet the health care needs of international students who are studying in Australia. While the extent of medical services that can be claimed for differs depending on the policy you choose, there is a minimum standard of cover that must be included.

Medical treatments students health insurance must cover

The benefits above will be included in a basic policy, but many health funds in Australia will offer more comprehensive policies that cover a wider range of treatments which include out-of-hospital services such as optical and dental.

What is typically excluded from cover?

Keep in mind that you will be unable to claim for a number of medical services and treatments under your student health insurance policy.

Common exclusions

Is OSHC mandatory for all nationalities?

If you are a student from Belgium, Norway or Sweden you may be eligible for an exemption from having to take out students health insurance. Under the Reciprocal Health Care Agreement (RHCA) that Australia has with those nations, you will be able to claim benefits for certain medical treatment under the public health system called Medicare.

  • Belgian students. The benefits provided by the RHCA in place between Australia and Belgium is considered adequate health insurance. No student health insurance is needed to satisfy your visa requirements.
  • Norwegian students. As with Belgium, the RHCA between Australia and Norway satisfy the student visa health insurance requirements
  • Swedish students. Health insurance is not required for Swedish students provided they are covered by a policy from the CSN (Swedish National Board of Student Aid) or the Kammarkollegiet (Swedish Legal, Financial and Administration Agency).

Be aware that if you are a student from any of the other eight countries Australia has an RHCA with you will still be required to take out health insurance to fulfill your visa requirements.

Common student health insurance questions

How do I purchase my student health insurance policy?

You may be able to pay for your health insurance through the educational institution you are planning to study at or you can do it yourself by contacting an Australian provider who offers visa compliant policies.

Can I switch to a different health fund?

You have the freedom to transfer to another provider at any time. However, keep in mind that you may incur a “refund processing fee” if you transfer part-way through a cover period.

Can you take out cover with an overseas health fund?

No, the only health insurance that complies with student visa requirements are policies offered by Australian providers.

What happens if I graduate but wish to remain in Australia?

If you wish to stay in Australia following the conclusion of your studies you will need to apply for a Temporary Graduate visa (subclass 485). You will also need to transfer your OSHC policy to an Overseas Visitors Health Cover policy.

Compare Australian OSHC policies and request a quote

Picture: Shutterstock

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