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What affects the duration of your OSHC?


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All you need to know about calculating the duration of your OSHC

Length of your course

OSHC coverage is typically aligned with the length of your study program. If you are pursuing a bachelor’s degree for three years, your OSHC coverage will generally be for the same duration. The coverage usually starts from the day you arrive in Australia until the end of your course or visa duration.

Visa duration

OSHC coverage is closely tied to your student visa. If your student visa is granted for a longer period than your course, your OSHC coverage will also extend accordingly. For example, if you have a four-year student visa but are enrolled in a two-year master’s program, your OSHC coverage will still be for the entire visa duration.

Extension and renewal

If you decide to extend your course or continue your studies beyond the initial duration, you will need to renew your OSHC policy. OSHC providers offer options to extend your coverage, and you will need to pay the required premiums to maintain the insurance.

Summer break and holidays

OSHC coverage typically continues during scheduled course breaks, such as summer holidays, provided that you remain enrolled in your program. However, it’s important to note that coverage may vary between OSHC providers, so it’s advisable to check the specific terms and conditions of your policy.

Cancellation and refunds

If you complete your course early, suspend your studies, or leave Australia before the expiration of your OSHC coverage, you may be eligible for a refund of the remaining premiums. The refund policy varies among OSHC providers, so it’s essential to review the terms and conditions outlined in your policy.

If you are international students, foreigners arriving to Australia, or Australian citizens traveling abroad looking for OSHC, OVHC, travel insurance, please contact OSHCstudents 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

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