banner image
17 | 11 | 22
11 | 22

OSHC and mental health support

OSHCstudents – If you or a friend are dealing with anxiety or depression, you might have questions about where to turn.  Seeing a psychologist can be a helpful step toward managing anxiety and depression. You may be able to claim some of the cost with Overseas Student Health Cover (OSHC).

See more: Taking care of your mental health in Australia

Your health cover pays for some but not all of the psychologist’s fees. The fee you pay is called a gap fee (the gap between the amount covered by insurance, and the total fee). View the fee as an investment in your health.

How to claim some of the cost of seeing a psychologist?
If you want to see a psychologist and claim some of the cost through OSHC, there is a process to follow:

  • Make an appointment to see a general practitioner (GP), and ask them for a Mental Health Care Plan.
  • When you have your Mental Health Care Plan, your GP may suggest a psychologist for you to see, or you can choose a psychologist yourself.

What is a Mental Health Care Plan?
A Mental Health Care Plan means you can see a psychologist for six sessions and some of the cost may be covered by your OSHC. After this, if you need more sessions with a psychologist, and you want OSHC to cover some of the costs, you must get a new Mental Health Care Plan from your GP. A Mental Health Care Plan will cover up to 10 sessions with a psychologist over a 12-month period.

How to find a psychologist?
To find a psychologist you can go to the Australian Psychological Society Website.

If you are choosing a psychologist for yourself, bring their name to your GP appointment.

How much does it cost to see a psychologist?
To know the exact costs of seeing a psychologist, follow these steps:

  • Call the psychologist before you visit to find out how much an appointment will cost.
  • Contact your OSHC provider (you can do this online) and ask them how much money you can claim back. You will need to pay the gap fee.
  • When you make your appointment, the psychologist will advise you on how to pay. You may have to pay for the appointment upfront, and then make a claim to your OSHC provider afterward.

More information about seeing a psychologist
For more information about seeing a psychologist contact your OSHC provider or health service at your education provider.

Other ways to get help
Phone Lifeline 24 hours a day on 13 11 14 or chat to them online

If you are aged 25 years or under you can phone headspace on 1800 650 890 or chat online to a health clinician.

OSHCstudents (source: studymelbourne)

Leave a comment

Your email address will not be published. Required fields are marked *


News related

Things are not covered by OSHC in Australia 24/10/2023 | 582 Views

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.
How to maintain a healthy diet as an international student in Australia? 22/10/2023 | 427 Views

How to maintain a healthy diet as an international student in Australia?

OSHCstudents-Embarking on an international academic journey is an exciting and enriching experience, but it often comes with unique challenges, including maintaining a healthy diet. As an international student in Australia, the unfamiliarity with local food options, budget constraints, and the temptation of fast food can sometimes make it a daunting task to prioritize nutrition. In this guide, we will explore practical tips and insights to help you navigate the Australian culinary landscape, make informed food choices, and ensure that your time as an international student is not only academically rewarding but also a journey towards a healthier you.
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