What is OSHC in Australia?

• byBudgetpolicy
• 2026-08-22

If you're planning to study in Australia, you've probably come across the term OSHC. But what is OSHC in Australia, and why is it important for international students?

Overseas Student Health Cover (OSHC) is a health insurance policy designed for international students studying in Australia. It helps cover eligible medical and hospital expenses during your stay and is generally required for most Student Visa (Subclass 500) holders. Choosing the right OSHC insurance can help you access essential healthcare while meeting your visa requirements.

Why is OSHC Required in Australia?

The Australian Government generally requires international students to maintain OSHC throughout the duration of their Student Visa.

Having OSHC helps students:

• Access eligible medical treatment
• Reduce out-of-pocket healthcare costs
• Meet student visa requirements
• Receive support during medical emergencies

Maintaining an active OSHC is an important part of studying in Australia.

What Does OSHC Cover?

Although benefits vary between providers, standard OSHC generally includes:

• GP (doctor) consultations
• Hospital treatment
• Emergency ambulance services
• Eligible prescription medicines

Some services, such as dental, optical, and physiotherapy, may require additional extras cover depending on your provider.

Who Needs OSHC?

OSHC is generally required for:

• International students applying for a Student Visa (Subclass 500)
• Eligible dependants included in the student visa application
• Students studying at Australian universities, colleges, and vocational institutions

Always confirm your visa and insurance requirements before travelling to Australia.

How to Choose the Right OSHC Provider

Before purchasing a policy, compare:

• Premium costs
• Coverage benefits
• Waiting periods
• Claim process
• Customer support
• Policy flexibility

Comparing different providers helps you choose a plan that suits both your healthcare needs and your budget.

Approved OSHC Providers in Australia

Australia has several approved OSHC providers, including:

• Bupa
• Allianz Care Australia
• Medibank
• nib
• ahm OSHC

Each provider offers different pricing, benefits, and support services, so it's worth comparing policies before making a decision.

How Much Does OSHC Cost?

The cost of OSHC depends on several factors, including:

• Your provider
• Length of cover
• Single, couple, or family policy
• Type of course
• Visa duration

Comparing plans can help you find affordable cover without compromising on essential benefits.

Tips before Buying OSHC

Before purchasing your policy:

• Compare multiple providers
• Read the policy inclusions carefully
• Understand waiting periods
• Check the claims process
• Make sure your cover matches your visa duration

A little research before buying can save you both time and money later.

Conclusion

Understanding what OSHC is in Australia is one of the first steps for every international student planning to study in the country. Since OSHC is generally required for Student Visa holders, comparing providers, understanding your coverage, and choosing the right policy can help you stay protected throughout your studies.

Before purchasing a policy, take the time to compare OSHC insurance options and select the cover that best suits your healthcare needs and budget.