banner image
11 | 03 | 24
03 | 24

Common Asked Questions About OSHC

OSHCstudents – If you’re an international student preparing to embark on your educational journey in Australia, understanding Overseas Student Health Cover (OSHC) insurance is crucial. Here’s a comprehensive guide to help you navigate the ins and outs of OSHC.

Q: What is OSHC insurance?

A: OSHC, or Overseas Student Health Cover, is a specialized health insurance designed specifically for international students studying in Australia. It provides coverage for medical treatments and hospitalization during the duration of the student’s visa.

Q: Who needs to purchase OSHC insurance?

A: All international students applying for a student visa in Australia are required to purchase OSHC insurance. It’s a mandatory requirement for the entire duration of their stay in Australia.

Q: What does OSHC insurance cover?

A: OSHC insurance typically covers medical consultations, hospital stays, prescription medicines, ambulance services, and limited dental and optical services. However, coverage may vary depending on the provider and the level of insurance purchased.

Q: How can I purchase OSHC insurance?

A: OSHC insurance can be conveniently purchased online through various approved providers. Additionally, many universities in Australia offer assistance with purchasing OSHC insurance during the enrollment process.

Q: How much does OSHC insurance cost?

A: The cost of OSHC insurance varies based on factors such as the duration of the student’s visa, the level of coverage selected, and the insurance provider. Costs typically range from a few hundred to over a thousand Australian dollars per year.

Q: Can I choose my OSHC insurance provider?

A: Yes, international students have the flexibility to choose their OSHC insurance provider from a list of approved insurers. It’s important to compare coverage, cost, and benefits offered by different providers before making a decision.

Q: What happens if my OSHC insurance expires?

A: It’s crucial to ensure that your OSHC insurance remains valid for the entire duration of your student visa in Australia. If your OSHC insurance expires, you won’t be covered for any medical expenses, which could affect your visa status. Renewing your OSHC insurance before it expires is recommended to avoid any disruptions in coverage.

Q: Can I upgrade or change my OSHC insurance policy?

A: Yes, international students have the option to upgrade or change their OSHC insurance policy if needed. However, any changes or upgrades should comply with visa requirements and be approved by the Department of Home Affairs in Australia.

Q: Can I get a refund if I cancel my OSHC insurance?

A: In some cases, students may be eligible for a refund if they cancel their OSHC insurance. However, refund policies vary depending on the insurance provider and the circumstances of cancellation. It’s essential to review the terms and conditions of your policy regarding cancellations and refunds.

If you are international student, a foreigner arriving in Australia, or Australian citizen traveling abroad looking for OSHC, OVHC, travel insurance, please contact Annalink team at email: info@oshcstudents.com and our partners for further information and assistance.
OSHCstudents Team

News related

Why should choose Bupa OSHC? 21/06/2024 | 1450 Views

Why should choose Bupa OSHC?

OSHCstudents – Why choose Bupa OSHC? Studying in Australia can be a life-changing experience, and Bupa OSHC is here to support you at every stage of your journey. 1. Unlimited ambulance cover Be covered for emergency...
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

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

OSHCstudents Services


  • PTE Platform
  • Inus
  • Flywire
  • Imagine Education Australia
  • Shorelight
  • Opera City English College


  • King Education
  • North Sydney College English
  • Vodafone
  • HCC
  • Global Experience
  • Allianz
  • Bupa
  • Medibank
  • AHM
  • NIB