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OSHC Policy

Find and Buy OSHC Policy for Australia

Compare and buy an OSHC policy instantly from Australian Immigration-approved and leading OSHC providers like AHM, Nib, Allianz Care, Medibank, and Bupa.

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Immigration Approved

Suitable for All Universities

Leading OSHC Providers

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Ahm

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Allianz Care

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Medibank

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Nib

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Bupa

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Compare Top OSHC Providers and Find the Best Plan

Featuresnib oshc logoahm oshc logoallianz care oshc logomedibank oshc logobupa oshc logo
Price Estimate for Single Cover
1 YearA$572A$575A$579A$627A$692
2 YearsA$1167A$1172.60A$1178A$1273A$1405
3 YearsA$1851A$1848.24A$1861A$2004A$2107
Student Health Cover
Immigration Approved✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Application ProcessOnlineOnlineOnlineOnlineOnline
Policy IssuanceInstantInstantInstantInstantInstant
Policy DocumentViewViewViewViewView
Student Support
Mobile App✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Online Membership Account✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
24/7 Support✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
On Campus Support✅ Yes❌ No✅ Yes✅ Yes✅ Yes
In-Hospital Medical Services
Public Hospitals✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Private Hospitals✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Private Room✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Out of Hospital Medical Services
Doctor Visits100% of MBS fee100% of MBS fee100% of MBS fee100% of MBS fee100% of MBS fee
Specialist Consultations85% of MBS fee85% of MBS fee85% of MBS fee85% of MBS fee100% of MBS fee
Telehealth100% of MBS fee100% of MBS fee85% of MBS fee100% of MBS fee100% of MBS fee
Pathology (eg. blood tests etc.)85% of MBS fee85% of MBS fee85% of MBS fee85% of MBS fee100% of MBS fee
Radiology (eg. x-ray, scans etc.)85% of MBS fee85% of MBS fee85% of MBS fee85% of MBS fee100% of MBS fee
Accident and Emergency Department Facility Fees
Public Hospitals100% of MBS100% of Cost100% of MBS100% of Cost100% of MBS
Contracted Private Hospitals100% of MBS100% of Cost100% of MBS100% of Cost100% of MBS
Non-Contract Private HospitalsLimited Benefits100% of CostLimited Benefits100% of CostLimited Benefits
Other Coverage
Ambulance Services✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Surgical Implants✅ Yes, 100% of Cost✅ Yes, 100% of MBS✅ Yes, 100% of Cost✅ Yes, 100% of MBS✅ Yes, 100% of MBS
MRI Scans✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Prescription Medicines
Maximum Benefit$50 per item$50 per item$50 per item$70 per item$50 per item
Copayment$31 per item$25 per item$25 per item$30 per item$31 per item
Single Cover$500/annum$500/annum$500/annum$500/annum$500/annum
Family Cover$1000/annum$1000/annum$1000/annum$1000/annum$1000/annum
Waiting Period
Psychiatric Conditions2 months2 months0 months0 months0 months
Pregnancy and Birth Related Services12 months12 months12 months12 months12 months
Other Pre-Existing Conditions12 months12 months12 months12 months12 months
Refund Policy
Refund FeesNo FeesLimited Fees May ApplyNo FeesLimited Fees May ApplyNo Fees
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Frequently Asked Questions

Yes. International students applying for an Australian student visa must have OSHC for the entire duration of their stay in Australia.

OSHC typically covers doctor consultations, hospital treatment, ambulance services, and some prescription medicines. However, coverage may vary depending on the provider and plan.

Students should purchase OSHC before applying for the Australian student visa, as proof of health insurance is required during the visa application process.

Yes. AdmitX helps students compare different OSHC providers and select the most suitable plan based on coverage, cost, and visa requirements.

Your OSHC policy must cover the entire duration of your study program in Australia, including any additional stay required by visa regulations.

No. Students must purchase OSHC before applying for their Australian student visa, as it is a mandatory visa requirement.

Overseas Student Health Cover (OSHC) for International Students

Studying in Australia is a dream for thousands of international students every year. The country offers world-class universities, a diverse culture, and excellent career opportunities after graduation. However, before starting your academic journey in Australia, students must fulfill several visa requirements. One of the most important requirements is Overseas Student Health Cover (OSHC).
 
OSHC is a health insurance policy in Australia designed specifically for international students studying in Australia. It ensures that students have access to medical services during their stay and protects them from high healthcare costs.

What is Overseas Student Health Cover (OSHC)?

Overseas Student Health Cover, commonly known as OSHC, is a medical insurance plan that helps international students pay for basic healthcare services while studying in Australia. Since international students are not covered under Australia’s public healthcare system, they must have a private health insurance policy.

Full form of OSHC stands for Overseas Student Health Cover — a mandatory private health insurance that provides financial support for essential medical treatments such as doctor visits, hospital care, and certain prescription medications. This coverage allows students to receive healthcare when needed without worrying about expensive medical bills.

The Australian Government requires students to maintain a valid OSHC policy for the entire duration of their student visa. Without this insurance, students cannot complete their visa application process.

Why is OSHC Mandatory for International Students?

Healthcare in Australia is known for its high quality, but medical treatment can be costly without insurance. To ensure that international students can access healthcare services and remain financially protected, the Australian Government made OSHC health cover mandatory.

By having OSHC, students receive medical support when they face health issues while studying abroad. It also ensures that students are financially prepared for unexpected medical emergencies during their stay in Australia.

The cost of health insurance in Australia for international students varies depending on the provider, study duration, and the level of cover chosen, so it is worth understanding your options before committing to a plan. Maintaining continuous OSHC coverage is also important for visa compliance. If the insurance expires before the visa period ends, it may affect the student’s visa status.

What Does OSHC Cover?

OSHC generally covers a range of basic healthcare services that students may need while living in Australia. When comparing overseas health insurance options in Australia, most OSHC plans include coverage for the following:

  • Doctor consultations and general practitioner (GP) visits
  • Hospital treatment and accommodation
  • Ambulance services for emergencies
  • Some prescription medications
  • Limited medical tests and treatments

Approved OSHC Providers in Australia

The Australian Government has approved several health insurance companies in Australia to provide OSHC plans for international students. These providers offer reliable coverage and meet visa requirements.

Some well-known OSHC providers include:

Allianz OSHC — Allianz Health Insurance Australia is a globally trusted name offering comprehensive OSHC plans tailored for international students.

Bupa OSHC — Bupa Health Insurance Australia is one of the most widely chosen providers, known for its extensive hospital network and straightforward claims process.

Medibank OSHC — A popular choice among students, Medibank offers flexible plans and 24/7 student support services.

NIB OSHC — NIB is known for competitive pricing and a simple online experience, making it a go-to option for budget-conscious students.

AHM OSHC — AHM Health Insurance Australia is backed by Medibank and offers affordable, no-fuss OSHC coverage for international students.

Each provider offers slightly different plans, pricing, and additional benefits. Students are encouraged to compare different options before choosing the best health insurance in Australia according to their specific needs.

How AdmitX Helps Students with OSHC

Choosing the right overseas student health cover provider can sometimes be confusing for international students. With multiple providers offering different plans, it is important to select the one that best suits your needs.

AdmitX helps students compare different OSHC plans and choose the most suitable health insurance option based on their study duration and budget. Our team guides the process, ensuring that students obtain the required health cover quickly and smoothly.

From selecting the right policy to completing the documentation process, AdmitX offers support at every step so students can prepare for their studies in Australia with confidence.

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