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Students’ Health Insurance Overseas Student Health Cover

Overseas Student Health Cover (OSHC) is obligatory for foreign students and their dependents in Australia and must cover them for the duration of their visa (or the first 12 months).

Germany-Health-Medical-Treatment-e1357728447907It’s provided by a number of insurance companies, including Medibank Private. Your premium, which must be paid before you arrive in Australia, depends on the length of your student visa, up to a maximum 12 months’ cover. If your student visa is for more than 12 months, a further premium is payable after 12 months.

If you’re a government-sponsored student (e.g. by the Australian Agency for International Development/AusAID), the agency or department of the Australian government which is sponsoring you pays your premium to Medibank Private. If you’re a non-government-sponsored student, your premium is usually paid by the school, college or university at which you will be studying (in fact, it’s usually included in your course fees).

OSHC includes full or partial cover for the fees of doctors (including specialists) at a surgery, your home or in hospital, and pathology services such as blood tests and X-rays. Payments are the same as for Medicare members, i.e. 85 percent of the government schedule fee for outpatient treatment and 100 percent of the schedule fee for hospital inpatient services and most GP services.

If a doctor charges more than the schedule fee, you must pay the difference. If you choose to be treated in a private hospital, Medibank Private contributes towards the cost of treatment and accommodation, but you’re responsible for paying the difference between the schedule fee and the actual fee charged. The services that aren’t covered by OSHC are much the same as for Medicare. If you wish to be covered for excluded services, you need additional private health insurance.

This article is an extract from Living and Working in Australia.


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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

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