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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.

What is not covered by OSHC?

There are several things that are not covered by OSHC, including some things that insurance companies are not allowed to cover, things not covered by Medicare, and some specialist treatments.
OSHC is not allowed to cover:
– Treatment initiated before your arrival in Australia.
– Medical care is required while traveling to or from Australia.
– Costs related to transporting you or your children into or out of Australia.
– Treatment already compensated through a court order, such as for damages or compensation.
– Expenses not covered by Medicare or OSHC.
Furthermore, OSHC doesn’t cover certain items because they are not covered by Medicare.
These include:
– Costs associated with private patient hospital care, like surgery fees and accommodation.
– Dental visits, most dental examinations, and treatments.
– Dentures.
– Expenses for eyeglasses, contact lenses, and visits to optometrists.
– Most physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry (foot care), and psychology services.
– Hearing aids and related appliances.
– Acupuncture (unless administered by a doctor).
– Home nursing.
– Long-term care, often referred to as custodial care.
– Medical and hospital expenses incurred while outside of Australia.
– Cosmetic surgery and other non-essential medical and hospital services.
– Medical examinations for purposes like life insurance, superannuation, memberships, or employment.
Moreover, insurance providers do not cover or reimburse for the following:
– Infertility treatments, such as in vitro fertilization (IVF).
– Extras services, which include visits to dentists, physiotherapists, optometrists, or other medical and alternative treatment services.
– Services not covered by Medicare, such as laser eye surgery, cosmetic surgery, or experimental medical procedures.
– Treatment provided outside of Australia.
– Non-essential hospital items, such as purchasing food from the hospital cafeteria.
If you require coverage for any of these items, you can explore other insurance options. For instance, you can acquire a general health insurance policy, often referred to as extra health insurance, in addition to your OSHC coverage. This extra health policy can provide coverage for various medical expenses, including dentist visits, physiotherapy sessions, and optometry services. You can contact Annalink’s agent partners or our team for more details.
If you are international students, foreigners arriving in Australia, or Australian citizens traveling abroad looking for OSHC, OVHC, travel insurance, please contact Annalink team at email: info@oshcstudents.com and our partners for further information and assistance.
OSHCstudents Team

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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

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