How Much Does OSHC Cost for Students from the Philippines?

• byBudgetpolicy
• 2026-07-16

Australia continues to be one of the most popular study destinations for Filipino students. With world-class universities, post-study work opportunities, and a welcoming multicultural environment, thousands of students from the Philippines choose Australia every year.

However, before applying for a Subclass 500 Student Visa, one important requirement cannot be overlooked — Overseas Student Health Cover (OSHC).

Many Filipino students ask the same question:

"How much does OSHC cost, and how can I find the best value?"

The answer depends on several factors, including your provider, course duration, and the type of cover you need. This guide explains everything Filipino students should know before buying OSHC in Australia.

What Is OSHC?

Overseas Student Health Cover (OSHC) is health insurance designed specifically for international students studying in Australia.

It helps cover essential healthcare expenses, including:

• Doctor (GP) visits
• Hospital treatment
• Emergency ambulance services
• Limited prescription medicines

OSHC is generally required for the entire duration of your student visa.

Is OSHC Mandatory for Filipino Students?

Yes.

If you are applying for an Australian Subclass 500 Student Visa from the Philippines, you are generally required to maintain valid OSHC throughout your studies in Australia. This helps satisfy visa requirements while protecting you from unexpected medical costs.

How Much Does OSHC Cost in 2026?

The cost of OSHC is not fixed because each approved provider sets its own prices.

As a general guide, a single student can expect to pay approximately:

The final premium depends on:

• Course duration
• Provider
• Policy type
• Visa length

Why Do OSHC Prices Differ?

Many students assume every provider charges the same amount.

That isn't the case.

Prices vary because providers may differ in:

• Premium rates
• Claim process
• Customer support
• Digital services
• Additional benefits

Although all approved providers must meet Australia's minimum OSHC requirements, their pricing and member experience are not identical.

Popular OSHC Providers for Filipino Students

Some of the most commonly chosen providers include:

Instead of choosing the first provider you see, compare several options before purchasing.

Factors That Affect Your OSHC Cost

Several things influence how much you'll pay.

Course Length

Longer courses require longer insurance periods, increasing the total premium.

Single, Couple, or Family Cover

Adding a partner or children significantly increases the cost.

Provider

Different insurers offer different pricing for similar levels of cover.

Start and End Dates

Your policy should match your student visa period to avoid unnecessary costs.

Can Filipino Students Save Money on OSHC?

Yes.

Many students reduce their costs by comparing providers instead of accepting the first recommendation they receive.

Here are a few simple ways to save:

• Compare multiple OSHC providers
• Choose the correct policy duration
• Avoid paying for unnecessary extras
• Review available promotions
• Purchase from a trusted comparison platform

Even a small difference in annual premiums can lead to meaningful savings over a multi-year degree.

Should You Buy Through Your University?

Many universities recommend a preferred OSHC provider during enrolment.

While these providers are legitimate, they are not always the most affordable option.

Comparing different providers yourself gives you a better chance of finding a policy that suits both your budget and healthcare needs.

What Does OSHC Usually Cover?

Most standard OSHC policies help cover:

• Visits to a General Practitioner (GP)
• Hospital treatment
• Emergency ambulance
• Some prescription medicines

Basic OSHC generally does not fully cover services such as:

• Dental treatment
• Optical care
• Physiotherapy

These services may require additional cover depending on the provider.

Why Comparing Plans Is Important

Buying the cheapest policy isn't always the smartest decision.

Likewise, paying the highest premium doesn't always provide better value.

Before purchasing your policy, always compare best OSHC plans to understand:

• Pricing
• Benefits
• Coverage
• Claim process
• Provider support

A few minutes spent comparing can help you choose a plan that matches both your budget and your study plans.

Final Thoughts

For Filipino students planning to study in Australia, OSHC is much more than a visa requirement—it's an important part of protecting your health while you're overseas.

Before purchasing a policy, compare providers, understand what each plan includes, and choose cover that fits both your study plans and your budget.

Rather than selecting the first option available, take the time to compare the best OSHC plans. A well-informed decision today can help you save money while ensuring you have the protection you need throughout your time in Australia.