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20 | 05 | 22
05 | 22

Using your OSHC in the best way

OSHCstudents – Overseas Student Health Cover (OSHC) is insurance to help international students with the cost of medical and hospital care in Australia.

Hospital and other medical treatments in Australia can be very expensive for international students. This is because international students are not covered under the Australian Government’s ‘Medicare’ public health insurance system.

1. How long do I need to be covered?

Before you apply for an Australian student visa, you must purchase OSHC, at least 07 days prior to your orientation date

Before you apply for an Australian student visa, you must purchase OSHC, at least 07 days prior to your orientation date and the end date for the following:

  • Duration of Course: 10 months or less  ▶Add to your course end date 1 month
  • Duration of Course: Over 10 months ending January – October  ▶Add to your course end date 2 months
  • Duration of Course Over: 10 months ending November – December  ▶Add to your course end date: Select 15th March of the next year

2.What do I do if I need medical treatment?

The best option is to visit a doctor or go to the emergency department of a public hospital. Many educational institutions have a doctor on campus or nearby. OSHC providers often have direct billing relationships with medical clinics to ensure students can access treatment with no or minimal up-front expenses.

The doctor will refer you to a specialist or hospital if further treatment is required. You can choose either a public or a private hospital, but you should contact your OSHC provider before going to a private hospital to check that you will be covered for treatment at that hospital.

You should also contact your OSHC provider before going to a public hospital in a non-emergency situation or for an elective procedure to ensure that you are covered. In an emergency, you should go immediately to the emergency department of the nearest hospital, calling an ambulance on ‘000’ if appropriate.

3. How do I submit a claim?


How do I submit a claim

There are 3 ways to make a claim:

1) Swipe your OSHC or private health care card at the GP’s office or medical centre; or

2) Visit your OSHC or private health care provider; or

3) Go online and download a claim form.

4. Can I get a refund of OSHC premium?

OSHC provider will refund all or part of your premium if:

  • you paid for OSHC but did not come to Australia to take up studies;
  • you have paid your premiums for an extended stay, but your student visa was not extended;
  • you have to cease studies and leave Australia before the end of a period of approved stay, for reasons beyond your control;
  • you have been granted permanent resident status in Australia;
  • you have decided to defer your study and return home;
  • you have completed your study earlier than expected; or
  • you can prove you had OSHC from another organisation

Please keep in mind that refunds are calculated on a monthly pro rata basis, with a minimum refund of 1 month.

5. How do I renew my OSHC?

Your OSHC policy is scheduled until the OSHC end date indicated on your original Confirmation of Enrolment (CoE). Your OSHC policy will remain active until this date. If you extend the length of your Student visa, you must renew your OSHC policy.

To extend your OSHC policy? Contact OSHCstudents to renew your OSHC policy.

All you need to do is email us at info@oshcstudents.com for advice, live chat with us on OSHCstudents Fanpage to assist you with any of your OSHC enquiries.

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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


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