Medibank Overseas Student Health Cover
Compare the OSHC available from Medibank for international students.
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!
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.
Compare Medibank OSHC options
Who's it for?
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.
What are the different cover options?
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 overseas student health cover
- Essentials OSHC. Meets student visa requirements plus delivers an important level of cover and a range of additional benefits.
- Comprehensive OSHC. A specialised level of cover only available through certain schools and universities. Contact your educational institution to learn more.
|Medibank OSHC (Essentials)|
|Comprehensive hospital cover|
|Private and public hospital accommodation|
|Prescription medicine outside of hospital|
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:
- Ambulance services
- Psychiatric treatment
- Obstetrics and pregnancy related services
- Appendicitis treatment
- Tonsils and adenoids removal
- Surgical removal of wisdom teeth (hospital charges only)
- Joint reconstruction
- Heart related admissions
- Plastic and reconstructive surgery
- Hip and knee joint replacement surgery
- Renal dialysis
- Eye surgery
- Rehabilitation treatment
- Palliative care
- All other in-hospital services covered by Medicare.
- Outpatient treatment by a GP (outside of hospital)
- Outpatient treatment by a specialist (outside of hospital).
- Medication prescribed by a GP or specialist (outside of hospital)
- Access to health support services such as a registered nurse, counselling services, interpreter services, emergency legal advice, travel document assistance and family and friends message service.
There are a few Limitations and exclusions that apply to Medibank OSHC. These include;
- Certain students may not need OSHC (e.g. Norwegian students can be covered by the Norwegian National Insurance Scheme, Swedish students by Kammarkollegiet and Belgian students by the Reciprocal Health Care Agreement (RHCA) between Belgium and Australia).
- Comprehensive Medibank OSHC is only available through selected schools and universities.
- Cover does not include extended family such as parents, grandparents, siblings and uncles and aunts.
- Fertility treatment is not covered by Essentials or Comprehensive cover.
- Waiting periods apply in some cases (starting from the date you arrive in Australia or become a member, whichever occurs later).
- No cover for cosmetic surgery, services not covered by Medicare, dental or podiatry surgical procedures, treatment for a child over 18 years old or medical treatments performed outside of Australia.
- If you take out a policy and then decide to cancel, you will only receive a refund if it is within the 30-day cooling off period and only if you have not made any claims on your policy.
How to find a Medibank OSHC provider
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.
How to make a claim
Claiming is easy with Medibank OSHC and your options include:
Medibank OSHC members have the following claims options:
- Online. Medibank Online Member Services
- App. Medibank OSHC App
- Phone. 134 148
- In-store. Medibank store locations
- On campus. Selected universities
- Direct Billing. Members choice network
More guides on Finder
Optical inclusion: Extras cover the top reason for taking out health insurance, survey finds
Extras cover is the number one drawcard for Australians who take out private health cover, new research from Finder, Australia’s most visited comparison site, reveals.
Where can I travel from Australia in 2021?
Discover exactly what you need to know about leaving Australia.
Australia’s three-step plan to re-open: What you can and can’t do
As lockdown and travel restrictions begin to ease across Australia, we break down what you can and cannot do right now.
Coronavirus: Where to get mental health support
Here's how you can get online and over-the-phone mental health support and still be covered by Medicare and private health insurance.
What’s open in Melbourne right now?
Here's everything you need to know about what's open in Melbourne and accessible to you during the coronavirus (COVID-19) pandemic.
Coronavirus: Your health insurance questions answered
Are you covered? Can you still get it? Do you even need it? We answer all your coronavirus health insurance questions.
Podcast: Busting Australia’s top health insurance myths
From hospital to extras, tax time to turning 31, this week's Pocket Money podcast will arm you with everything you need to know about health insurance.
Health insurance premium rates are rising in Australia
Get the lowdown on what's happening, so you can get a better deal on your health insurance.
The 7 most expensive places to need an ambulance
If you don't have ambulance cover, an emergency ride could cost you hundreds, if not thousands of dollars.
How does health insurance cover chronic pain?
See how private health insurance can offer support for chronic pain.
You might like these...
Ask an Expert