Compare your Overseas Student Health Cover options for Australia.
If you're coming to study in Australia, you might need health cover.
Overseas Student Health Cover is mandatory for student visas (such as the Subclass 500) that require condition 8501. It can also save you hundreds, if not thousands of dollars in medical bills.
How is an overseas student defined in Australia?
The DHA 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 type of health insurance specifically for international students who are studying in Australia. You can get different levels of cover to include additional treatments but a basic policy includes hospital accommodation and GP visits. Many health funds in Australia will also offer more comprehensive policies that cover a wider range of treatments which include out-of-hospital services such as optical and dental.
Basic level student health insurance will cover
How does Overseas Student Health Cover work for international students?
To keep things simple and cost effective for you, each insurer usually only offers one basic OSHC option that covers these services:
- Hospital bills. Your insurer will pay up to 100% of your hospital costs as long as your policy lists the treatment as covered. You may get less if you use a hospital that doesn't have a partnership with your insurer.
- Doctor's visits. Your insurer will pay up to 100% of the amount that the Federal Government has determined that standard GP consultation should cost (you'll pay any difference if your provider charges more).
- Bloodwork and X-rays. Your insurer will pay up to 85% for specialist service costs. If these services are done outside of a hospital, the percentage they cover could be less.
- Prescriptions. You'll usually get a set yearly dollar amount that you can apply toward prescriptions.
- Emergency ambulance rides. Your insurer will pay up to 100% of your ambulance rides in an emergency. If it's not an emergency, you will be responsible for the cost.
Some insurers will have a second option that is available only to students of select universities that they have partnered with. These plans will cover the same types of services as the ones they offer to the public, but with slightly better rates or increased benefit limits.
What is typically excluded?
Keep in mind that you will be unable to claim for a number of medical services and treatments under your student health insurance policy.
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 fulfil your visa requirements.
Does OSHC cover an emergency?
If you have signed up for OSHC, you will be covered for treatments on the Medicare Benefits Schedule. It also includes emergency ambulance cover and limited pharmaceuticals.
OSHC does not cover anything considered general treatment, such as the dentist, physiotherapy or optical.
How does OSHC work for couples?
If you have a student visa that requires you to have health cover and a partner or family member is tagging along on your visa, they will also be required to have OSHC. You can get everyone covered under the same policy by purchasing a couples or family policy and these are available through most insurers.
Of course, there are situations where a partner of family member won't need OSHC. These include:
- They're here on their own visa and it doesn't require them to have health cover
- They have a Medicare card as an Australian citizen or permanent resident
- They are from a country that has a reciprocal health care agreement with Australia.
How are treatments like dental covered?
Most OSHC policies don't include dental cover since it's not required as part of your visa. However, you can get a seperate policy called an "extras" policy that covers many non-hospital treatments like dental, optical and physio.
You can find ones that cover general dental treatments like cleanings, x-rays and simple fillings or you can upgrade to one that includes major dental work like root canals, complex fillings and crowns.
You can choose from any extras policy in the Australian market and you'll hold this type of cover in addition to your OSHC policy.
Will my university offer OSHC?
Many universities will allow you to purchase your OSCH through them, but it is not required that you do. They will usually have a specific "preferred provider" that they've partnered with and this may give you access to special rates or increased levels of cover that the insurer does not offer to the general public.
If you purchase your insurance through your university, your university may also help organise your first payment to the insurer and advise the Department of Home Affairs on your behalf.
One drawback of going through your uni is that there will be lack of choice. Your best bet is to see what they offer and compare it side-by-side with other policies in the market.
Which health funds offer OSHC?
An Australian Health fund can offer OSHC policies for overseas students if it has signed a legal agreement with the Commonwealth in order to provide these services. These are the current health funds that offer cover:
- Peoplecare Health Limited (by Allianz)
- BUPA Australia
- ahm (by Medibank)
- nib Health Funds Limited
How do I get OSHC?
It's really easy to apply for cover, below are two Finder partners who offer OSHC. Simply select enquire and someone will contact you to explore your options to make sure you are on the right plan.