OSHC Demystified: A Student’s Guide to Health Cover in Australia
Overseas Student Health Cover (OSHC) is not just a visa mandate, but also a step towards a safe and worry-free academic journey in Australia. owing to the complexities of the process, carrying it out can be a bit challenging, especially if you have little to no prior knowledge. The numerous options available make it even confusing.
Let's break down everything you need to know— key requirements, top providers, and how to compare and purchase the right OSHC with ease through Budget Policy.
What is OSHC and Why Do You Need It?
OSHC is a mandated health cover that you need to get before applying for a student visa in Australia. It covers essential healthcare services such as:
Doctor and specialist visits
In-hospital treatment
Emergency ambulance services
Some prescription medications
24/7 health advice lines
While getting an OSHC might come across simply as fulfilling a visa condition, and hence getting the first cheapest option to comply with it, there’s more to its significance. OSHC genuinely is your medical safety net in a foreign country, offering peace of mind when you’re far from home.
Choosing the Right OSHC Plan
The “best” OSHC is not a one-size-fits-all solution. It depends on your budget, personal health needs, and the duration of your stay.
Understand Visa Requirements and Coverage Types- OSHC must be valid for the duration of your visa. Plans range from basic coverage that includes all mandatory services to comprehensive options that offer added benefits like dental, optical, and physiotherapy cover.
Compare Providers and Plans- Top OSHC providers in Australia include Medibank, AHM (a Medibank subsidiary), and others. Each offers slightly different benefits and pricing. Use comparison platforms like Budget Policy to review quotes and coverage side-by-side. Not only can you find the most affordable plan, but you can also access exclusive offers or gift cards for eligible purchases.
Consider Your Personal Needs- Assess your health on various factors. Do you wear glasses? Expect to need physiotherapy? Have pre-existing conditions? Think beyond the basic plan. While extras add to the cost, they can save you significantly in the long run. If you’re bringing a partner or family, look for dual or family OSHC plans.
OSHC vs Private Health Insurance
If you’re on a student visa, Overseas Student Health Cover (OSHC) is your starting point in Australia. But what if you want more?
OSHC is designed to meet student visa requirements. Limited extras. Lower cost.
Private Health Insurance on the other hand is optional, with high flexibility. It might cover hospital services and extras like dental, optical, chiro, and more.
For some, combining OSHC with a basic private extras policy makes sense, especially if long-term health needs are a concern.
Getting the Best Deal
Budget Policy is your all-in-one platform to compare, choose, and buy OSHC:
Compare top OSHC plans from AHM, Medibank, Bupa, NIB, Allianz Care, and AIA.
Filter plans by coverage type, price, and policy length.
Receive quotes and policy documents instantly.
Enjoy potential savings of up to 47% or $100 gift cards on eligible products.
When to Buy an OSHC
You should start looking for options as soon as you receive your offer letter. OSHC is mandatory before you apply for your student visa, so don't leave it to the last minute.
You can purchase an OSHC directly through Budget Policy’s user-friendly platform.
OSHC is not a mere visa checkbox. Beyond that, it serves as a base for a safe and supported experience to an international student in Australia. You can choose a plan from any one of the top providers, but the key lies in evaluating your needs and comparing options wisely.
Budget Policy simplifies this baffling process and helps you explore the most promising deals available, so that you can make an informed choice and choose the best.
If you still find the process overwhelming, consider consulting one of our MARA-registered OSHC agents for Australia. They can assist you with personalised plan selection, ensuring you don’t overpay or compromise on your needs.
With Budge Policy, take control of your health with the right OSHC plan, and get a step closer to a secure and fulfilling academic experience in Australia.
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Frequently Asked Questions
01. Can I change my OSHC provider after arriving in Australia?
Yes, you can switch your OSHC provider at any time, even after arriving in Australia. You might, however, want to check the cancellation policy of your current provider for any clauses.
02. Will I get a refund if I cancel my OSHC early?
In most cases, you do get a refund. Especially if your visa is refused, shortened, or you leave Australia early. However, the refund policy of each provider is different.
03. Can I pause my OSHC if I take a break from studies or travel back home?
That isn't possible. The only option is to cancel until you are not in Australia and then reapply once you return. However, doing so might impact your visa conditions.
04. What if my OSHC lapses while I’m in Australia?
This will be a breach of your student visa conditions, which could impact your legal stay in Australia. It is better to get your cover renewed before it expires and keep such complications at bay.
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