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.

Choosing the right OSHC insurance can help you access eligible healthcare services and understand the costs associated with medical treatment during your stay. Before purchasing a policy, it's worth comparing providers, coverage, benefits and premiums to find suitable cover for your circumstances.

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.

Note: Actual prices and benefits depend on the policy. Verify current provider details before publishing.

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.

Frequently Asked Questions About Overseas Student Health Cover

1. What is Overseas Student Health Cover in Australia?

Overseas Student Health Cover (OSHC) is health insurance designed for eligible international students studying in Australia. It helps cover eligible medical and hospital expenses according to the policy's terms, conditions and benefit limits.

2. Who needs Overseas Student Health Cover in Australia?

Most international students applying for or holding a Student Visa (Subclass 500) need to maintain appropriate OSHC, subject to applicable visa requirements and exemptions. Students should confirm their individual requirements before travelling to Australia.

3. What does Overseas Student Health Cover include?

Depending on the policy, OSHC may provide benefits for eligible doctor consultations, hospital treatment, ambulance services and certain prescription medicines. Benefits, limits and out-of-pocket costs vary between policies, so review the policy documents before purchasing.

4. How much does Overseas Student Health Cover cost in Australia?

The cost of OSHC depends on factors such as the provider, length of cover and whether you need a single, couple or family policy. Compare quotes using your actual details and review the benefits and conditions before choosing a plan.

5. Which providers offer OSHC in Australia?

Major OSHC providers in Australia include Bupa, Allianz Care Australia, Medibank, nib and ahm. Compare their premiums, eligible benefits, exclusions, policy conditions and claims processes to find suitable cover.

6. Does OSHC cover dental and optical services?

Routine dental and optical services are generally not included in standard OSHC. Cover may depend on the policy and whether additional extras cover is available. Check the insurer's policy documents for specific inclusions and exclusions.

7. How can I compare Overseas Student Health Cover plans?

When comparing OSHC plans, review premiums, doctor and hospital benefits, ambulance services, prescription medicine limits, exclusions and claims procedures. You can use Budget Policy's OSHC comparison guide to explore your options.

8. How long do I need to maintain OSHC?

International students generally need to maintain appropriate OSHC for the required period of their stay under their student visa arrangements. Confirm the required coverage dates and any applicable conditions before buying or renewing your policy.

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.