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Overseas Student Health Cover (OSHC)

Compare your OSHC options if you're studying in Australia.

If you're coming to study in Australia, you might need health cover.

Overseas Student Health Cover is mandatory for student visas that require condition 8501. It can also save you hundreds, if not thousands of dollars in medical bills.

Compare OSHC visa compliant options

Details Features
NIB Overseas Student Health Cover
NIB Overseas Student Health Cover
  • Student visa compliant
  • Smartphone claiming available
  • Instant OSHC Confirmation Certificate
  • Private hospital accommodation
  • 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 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

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.

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 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.

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:

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.

Details Features
NIB Overseas Student Health Cover
NIB Overseas Student Health Cover
  • Student visa compliant
  • Smartphone claiming available
  • Instant OSHC Confirmation Certificate
  • Private hospital accommodation
  • Out-of-hospital GP and specialist treatment
  • $300 ($600 for families) benefit for pharmaceuticals
Enquire Now More info

Common questions

Compare Australian OSHC policies and request a quote

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5 Responses

  1. Default Gravatar
    BestSeptember 14, 2018

    Dear staff,

    We would like to register our medical centre for providing service to overseas students with private insurance.

    Please send information on how we can register.

    Thank you.

    Kind regards,

    Best Road Medical Centre

    • finder Customer Care
      JoelSeptember 14, 2018Staff

      Hi there,

      Thanks for leaving a question on finder.

      Awesome! We appreciate your interest in being one of finder’s partner in the business. Please check our Partner with us page, fill out the form located at the bottom with your information and click on “Get in touch” button. Once finder receives it, our dedicated team will reach out to you and discuss the potential partnership.

      Looking forward to doing business with you.

      Cheers,
      Joel

  2. Default Gravatar
    MarcoAugust 30, 2018

    Would Overseas Student Health Cover (OSHC) cover laser surgical operations to correct vision impairments such as myopia and astigmatism?

    • finder Customer Care
      JoshuaAugust 30, 2018Staff

      Hi Marco,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      The answer depends on the OSHC provider that you choose Marco. However, generally, basic level student health insurance will cover the same out-of-hospital treatments that are covered by the Australian public health system. Among those would only include eye tests performed by optometrists and not surgical operations.

      However, it would still be a good idea to check with your insurer. They may also discuss other options that may cover your needs.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

    • Default Gravatar
      MarcoAugust 31, 2018

      Thank you Joshua!

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