banner image
19 | 04 | 16
04 | 16

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.


Leave a comment

Your email address will not be published.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


News related

Visa subclass 485 (Temporary Graduate) and OSHC 13/06/2022 | 3609 Views

Visa subclass 485 (Temporary Graduate) and OSHC

If you hold a valid Student visa at the time you apply for the Subclass 485 visa, you will already be covered under an Overseas Student Health Cover policy as a condition of your Student visa requirement. Your existing OSHC is considered acceptable health insurance at the time you lodge your 485 visa application and you should submit evidence of this with your visa application. 
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