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5 things you should know about OVHC

OSHCstudents-Overseas Visitors Health Cover (OVHC) is a form of health insurance that is designed for visitors to Australia to access to Australia’s public healthcare system for medical or hospital expenses at an affordable cost. Here are 5 things you should know when purchasing OVHC.


Read more:

What is OSHC & OVHC Waiting Periods?

Working visa OVHC requirements

Who is eligible for OVHC?

To be eligible for OVHC, you must have a valid visa issued by the Australian Government or an Electronic Travel Authority (subclass 601) and a valid passport. All holders of visas classed as long-stay visitor visas, such as the Visitor visa (subclass 600), will be required to purchase OVHC to meet visa conditions and remain in Australia. Temporary residents arriving on sponsored Parent (subclass 103) and contributory aged parent (subclass 864) visas must also take out health cover through an approved OVHC provider. In contrast, those visiting on Student (subclass 500), Temporary Activity (subclasses 400 and 410), or Medical Treatment visas (subclasses 675 and 685) may also be eligible for OVHC if specified by their respective immigration departments.

How is OVHC important?

OVHC insurance covers expenses for travelers for short-term, business trips, and long-term work in Australia but has not yet received PR. OVHC splits the cost of medical examination and treatment to the above visa holders to ensure that foreigners come to Australia with peace of mind when traveling to Australia or working in Australia.

When should my OVHC policy start and end?

Typically, OVHC policies are active 24 hours after the purchase has been completed. The length of the policy should be determined by the amount of time you expect to stay abroad. Policies usually run for 12 months, with some extending up to five years. Consider how long you need coverage and check available options from providers to select a policy that works best for your personal needs.

Under what circumstances will OSVC be refunded?

  • You had paid your premium and did not come to Australia
  • You paid your OVHC premiums on the basis of an extended stay, but the Department of Immigration and Border Protection did not grant the extension of authorized stay
  • You have been granted permanent residence in Australia
  • You can provide proof of health cover with another organization
  • You have simultaneous visitors health cover policies with Allianz Global Assistance
  • You have left Australia

If I am under 18 years old, can I buy an OVHC single cover?

In case children under 18 years of age traveling with their parents cannot buy OVHC separately but must buy insurance under their parents’ insurance. Some insurers will require the age of over 21 to purchase OVHC single cover.

The single cover is for primary visa holders only. You will not be eligible for this policy if you are the dependent of a primary visa holder.

You are international students or foreigners arrive to Australia, or Australian citizens traveling abroad who are looking for OSHC, OVHC, travel insurance, please contact OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.


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OSHCstudents-Overseas Student Health Cover (OSHC) is mandatory for international students in Australia, and it provides coverage for a range of medical services. The specific coverage may vary slightly depending on the insurance provider and policy, but here are some common aspects of what is typically not covered by OSHC.
Baek Ah Yeon

I trust Allianz Care since it is one of the largest insurance companies in Australia, with the medical centres where I only have to pay for what is left from insurance support. (no need to claim later). Besides, those centres are located at the centre of the city, close to schools. Very convenient, right? Credits to Allianz Care for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

Ariella Pei

I’ve been living with homestay family for 2 years. I’m now 19, I can move out but I don’t want to leave my host, who has become my family. It feels like I’ve met my second family. Thanks OSHCstudents for sending me to this homestay!

Ariella Pei | University of Canberra

Chatchawat Paton

I realised how important insurance was when I started living in Australia. There I switched to using Allianz Care instead of the previous service. Allianz Care is extraordinarily good in its consulting service and customer care. I’ve learned a lot about Australian health care, also I was consulted with mental issues and how to live a healthy lifestyle. I am very happy now.

Chatchawat Paton | Torrent University

Phuong Anh

Having lived in Australia for 2 years, I’ve been reliant on AHM OSHC to pay for my health care, which supports me for other expenses. Last year, I sent my claim requests for several times and always received the claims within two days. Everything is easy, fast and simple.

Phuong Anh | Victoria University

Xiaoyu Cheng

Thanks to Allianz Care, every time I claimed my medical receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz Care is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University


My homestay was very comfortable and convenient. My host was really kind. He showed me where to shop, which buses to catch, where the nearest train station is, to get off at which station so that I wouldn’t be taken to another suburb. Travelling was easy since the place was close to public transports. It only took 30 minutes to get to my college, actually I could go anywhere easily!

Emma | Macquarie University

Jing Zhang

When told that I was going to live with an Italian family, I was pretty nervous and doubted whether or not they could speak English well as the local people? Yet it was no longer a problem when I saw them. They knew the problems of people who first came to Australia and always tried to help me. I learned so many things about both Australian and Italian culture and enjoyed tasty Italian meals every time. Awesome!

Jing Zhang | Griffith University

OSHCstudents Services


  • PTE Platform
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  • Imagine Education Australia
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  • Pearson PTE Academic
  • King Education
  • North Sydney College English
  • NIB
  • HCC
  • Global Experience
  • Bupa
  • Vodafone
  • OVHC Iman
  • Allianz
  • Medibank
  • AHM