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How to get a refund for my OSHC

OSHCstudents – You are wondering under what circumstances you can get a refund for your OSHC and how to refund your OSHC. Read this article to get the answer!



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Reasons to request a refund for OSHC

Here we have examples of 7 common reasons why students request a refund and the necessary documents for each case:

  1. Withdraw/Cancel Visa; Visa rejected, Cancel Course: Confirm the Department of Home Affairs, e.g: Refusal visa letter, Withdraw visa letter, Cancel COE or offer letter
  2. Return to home country: exit stamp in the passport, boarding pass, Cancel visa/course, course completion certificate (Allianz OSHC requires to cancel visa), or current visa has expired.
  3. Holiday credit: Round ticket to Australia, current visa, etc
  4. Change to another visa: Current Visa, Previous visa including Bridging visa, new OSHC/OVHC policy, etc
  5. OSHC duration is longer than visa: Current Visa, boarding pass to Australia (if the student has arrived in Australia)
  6. Have another policy: COI from another provider, Current Visa, boarding pass to Australia (if the student has arrived in Australia)
  7. Downgrade: Refusal or cancellation of visa letter of dependent, visa and a new dependent policy (if they apply for another visa). If the student is under 18 years old, they need to provide a birth certificate or guardianship certificate and ID/Passport of their parents or guardians.

How to get a refund for my OSHC?

If your situation has changed and you need a refund of your Overseas Student Health Cover, you can contact Annalink’s education & migration agent partners or contact us directly for support. Usually, you can follow 4 simple steps:

  • Step 1: Complete the refund form
  • Step 2: Provide all the required documents
  • Step 3: Submit & process the refund
  • Step 4: Receive the refund

The average process time is 2-4 weeks. This time is calculated from the day the provider receives all the required documents.

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


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Things are not covered by OSHC in Australia

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


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