Overseas Student Health Cover (OSHC)
Your health cover while study in Australia!
As an international student in Australia, you are required to have Overseas Student Health Cover (OSHC) for the entire duration of your study in Australia. But there are also other types of insurance which you may find useful.
International students undertaking formal studies in Australia, and their dependents (for example, spouses and children under 18 years old), must obtain OSHC. It includes cover for visits to the doctor, some hospital treatment, ambulance cover and limited pharmaceuticals (medicines). OSHC insurers can provide a range of different OSHC products. These may range from a basic product which covers only the compulsory minimum services to comprehensive products which cover, in addition to the compulsory minimum services, extra services as specified under the particular policy.
The Department of Home Affairs requires overseas students to maintain OSHC for the duration of time they are in Australia.
We are representing major Australian insurers, you may check their options below.
How much does OSHC cost?
How much you pay for OSHC depends on the type of cover you need. We offer OSHC for:
- Singles – covering only the overseas student who is the primary Student Visa holder*
- Dual family – covering the overseas student, and either:
- One adult spouse or de facto partner
- One or more children under the age of 18 years old
- Multi-family – covering the overseas student and more than one dependant, which can include:
- Only one adult spouse or de facto partner
- One or more dependent children
Overseas Student Health Cover (OSHC) is health insurance that provides cover to contribute towards the costs of: Out of hospital medical treatment. In hospital medical treatment. Prescription Medicines. OSHC is required for all student visa types and its minimum cover is guaranteed by Australian government.
What’s Covered by Overseas Student Health Cover
Hospital
- 100% of the Medicare Benefits Schedule (MBS) fee for medical services provided in hospital
- Public hospital shared ward accommodation for overnight or same-day hospital stays
- Private hospital accommodation (for hospitals that have a contracted rate with Australian Health Services Alliance)
- Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List
Ambulance
- You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment
Doctors and specialists (out of hospital)
- 100% of the MBS fee for medical services provided by a General Practitioner (GP)
- 85% of the MBS fee for medical services provided by a specialist (e.g. visiting a radiologist to get an x-ray)
- 85% of the MBS fee or other medical tests (e.g. blood tests)
Prescription medicines
- Up to $50 per approved prescription medicine
- Up to $300 each year for singles
- Up to $600 each year for families or couples
Disclaimer For more details read the relevant policy document below. You can only claim prescription medicines included in the Pharmaceutical Benefits Scheme (PBS) list and for items that cost more than the PBS co-payment fee. To see the full list of PBS medicines and the current co-payment fee, visit theDepartment of Health website.
How much does OSHC cost?
How much you pay for OSHC depends on the type of cover you need. We offer OSHC for:
- Singles – covering only the overseas student who is the primary Student Visa holder*
- Dual family – covering the overseas student, and either:
- One adult spouse or de facto partner
- One or more children under the age of 18 years old
- Multi-family – covering the overseas student and more than one dependant, which can include:
- Only one adult spouse or de facto partner
- One or more dependent children
In Australia, Overseas Student Health Cover (OSHC) is a mandatory requirement of your student visa. You must have OSHC for the entire time you are studying here. OSHC also gives you peace of mind knowing your health will be looked after you can easily access medical services while you are in Australia – so you can focus on your studies and enjoying your time here.
Hospital cover
Pharmacy (prescription medicine)
Medical benefits
Overseas Student Health Cover (OSHC) from Bupa provides cover for hospital and medical treatment if you get sick, helps meet student entry requirements and ensures you get your visa letter instantly.
Hospital cover
Pharmacy (prescription medicine)
Medical benefits
For visa subclass 500. Planning to study in Australia or to continue your studies? Medibank’s Overseas Student Health Cover (OSHC) can meet your visa health insurance requirements and help with medical treatment if you have an accident or get sick.
Hospital cover
Pharmacy (prescription medicine)
Medical benefits
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OSHC
First step is always a consultation to choose a right approach.
TRAVELER INSURANCE COVER
Once initial process of brainstorming is over, we must assess your situation in detail.
WORK VISA INSURANCE COVER
Lodgement of a visa application including other required steps, together with follow up until completion of the process.
LOOKING FOR ASSISTANCE WITH VISA TO AUSTRALIA?
Don’t hesitate to contact one of our migration agents today. You’re one click away from expert answers to your visa questions!