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Overseas Student Health Cover (OSHC) is health cover for overseas students who are studying in Australia.
It is part of your student visa requirements and pays for your medical treatment if you fall ill or have an accident while you are in Australia.
The Australian Government requires all overseas students here on a student visa (subclass 500) to have adequate hospital and medical cover (OSHC) for the duration of their stay in Australia. This applies regardless of whether you are applying for a student visa, already have one or are on a bridging visa while waiting to extend your student visa.
Any family members staying with you in Australia, including your spouse and any children under 18 years of age, must also have adequate health cover while they are here.
Medibank OSHC meets your student visa health insurance requirements and helps towards the cost of your hospital and medical treatment if you are ill or injured. It provides cover for all types of student situations including Singles, Couples, Families and Single Parents.
These covers are flexible, allowing you to change from one to another as your situation changes. For example, if you want to add your partner to your cover, Medibank OSHC allows you to do so easily by switching from a Single to a Couples policy. Similarly, if you wish to add a dependent child, you can switch to a Family or Single Parent policy any time within two months, without having to serve any additional waiting periods.
Medibank OSHC offers a choice of Essentials and Comprehensive cover. Both levels of cover include Hospital, Medical, Pharmacy and Ambulance services, but Comprehensive cover also provides a higher Pharmacy limit than any other OSHC product.
Medibank OSHC (Essentials) | |
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Visa suitability |
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Comprehensive hospital cover |
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Excluded treatments |
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Private and public hospital accommodation |
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Doctor fees |
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Prescription medicine outside of hospital |
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Support services |
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When you take out health cover, you can expect to find the following treatments covered by Medibank. You should always check for limits and waiting periods:
There are a few Limitations and exclusions that apply to Medibank OSHC. These include;
A Medibank OSHC direct billing provider is a medical practitioner who has an agreement with Medibank and sends the bill directly to them, meaning little or no upfront payment for you at the time of your appointment.
To find your nearest OSHC provider, follow this link and enter your address or location in the box provided.
Claiming is easy with Medibank OSHC and your options include:
Medibank OSHC members have the following claims options:
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