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Important things you should know about OSHC

OSHCstudents – The Australian Government requires that you have continuous OSHC for the entire length of your stay in Australia unless an exception applies. So when you purchase OSHC, you will need to pay your policy premium upfront to cover you for the length of the student visa you are applying for.



If you hold a secondary student visa, you must be insured under the same policy as the primary student visa holder.  You are only eligible to hold a single OSHC policy if you are the primary visa holder.

When you owned OSHC, things you should know:

OSHC don’t pay for

  • Any costs or services associated with dental treatment, physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services, unless the services provided meet the requirements of the Medicare Benefits Schedule.
  • Medications, drugs or other treatments not prescribed by a doctor and not included in the PBS
  • Optical charges
  • The co-payment payable by you or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee
  • Service fees charged by a doctor or hospital which are not included in the benefits covered under your policy.


Medicare Benefits Schedule (MBS) explained

The Medicare Benefits Schedule (MBS) is a list of medical services (e.g. a standard consultation with a GP or surgery in hospital) subsidised by the Australian Government with a fee (known as a ‘Schedule fee’) payable for each item.

The Schedule fee is the amount the government considers appropriate for one of these services and determines the amount that Australians receive when they claim a medical service through Medicare.

Visit the Department of Health website for more information.


What are the waiting periods?

A waiting period is the time you need to wait before a benefit is available.  Some costs, such as medical expenses relating to a pre-existing condition, are not covered during your waiting period. You can claim for benefits available on your policy for expenses incurred after the waiting period has ended.

The waiting periods will differ depending on which OSHC policy you have purchased.

  • 2 month waiting period for pre-existing psychiatric-related medical conditions
  • 12 month waiting period for all pregnancy related conditions
  • 12 month waiting period for all other pre-existing medical conditions

The waiting period is calculated from:

  • the date you or your dependant arrived in Australia; or
  • the date your Student Visa was granted,

whichever is the later date.

You are international students, foreigners arrive to Australia and Australian citizens traveling abroad are looking at 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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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