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Extras cover for international students and visitors to Australia

OSHCstudent- Extras cover is a type of health insurance that covers a range of services that aren’t included under the OSHC/OVHC scheme. If you purchase an extras policy, you’ll pay regular premiums to be covered for the services listed in your policy. These services are typically subject to annual and lifetime limits.

Services covered by extras health insurance?

Depending on your policy, extras insurance can cover a range of services from accredited or recognised service providers, for example dental treatment, optometry, physiotherapy, acupuncture and more.

Find out which services are included here

How many levels of health insurance extras cover?

Extras cover is typically available in three different levels. However, this can vary depending on your provider.

Top-level ancillary cover will typically include more extras services and have high payable benefit limits. Also, top-level cover will usually have higher annual limits for your health insurance extras cover. In comparison, lower-level policies (basic or medium extras) may limit you to a smaller range of services and only pay a smaller percentage in rebates.

  • Basic extras cover
  • Medium extras cover
  • Top extras cover

How extras health insurance benefits and limits work

All extras policies have benefit limits on how much you can claim per year for each specific treatment.

The amount you’ll be able to receive will depend on which service you’re claiming and the maximum limit your policy provides. Another factor is whether your health fund covers (a) a certain percentage of the costs or (b) benefits up to a set dollar amount.

Can I get extras cover with no waiting period?

You can potentially shorten your waiting period or get extras cover with no waiting period for particular services. Some health funds allow you to start claiming on higher-level extras cover straight away with no waiting period, while some have promotions from time to time that waive extras cover waiting periods to attract more members.

However, waivers usually only occur on certain policies or services (e.g. health funds may have promotions that state no two or six-month waiting periods on included extras).

Some of the extras services that may waive waiting periods include:

  • Routine dental
  • Physiotherapy
  • Chiropractic
  • Natural therapies.

That said, you’re unlikely to get waiting periods waived on more expensive services like major dental or orthodontics.

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

 OSHCstudents (Source: Comparethemarket)

News related

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
  • NIB
  • HCC
  • Global Experience
  • Bupa
  • Vodafone
  • OVHC Iman
  • Allianz
  • Medibank
  • AHM