OSHC STUDENTS

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What does OVHC cover?

OSHCstudents – Overseas Visitors Health Cover (OVHC) is a form of health insurance which is designed for visitors to Australia who do not have access to Australia’s public Medicare system for medical or hospital expenses. OVHC insures against potential expenses you may incur if you require medical or hospital treatment. 

In some cases, it may be a condition of your visa to hold a form of OVHC – for example, if you are working visa 482 or 485 applicant or an overseas student.

What does OVHC Cover?

Every OVHC policy will differ in costs, eligibility and benefits. However, most policies should cover you for medically-required hospital admissions and a portion of doctor’s fees.

In addition to cover for hospital and medical expenses, you can also purchase General Treatment cover. General Treatment cover pays benefits towards the services of health care providers in private practice such as dentists, optometrists and physiotherapists. Insurance can cover part of these costs, though you would still need to cover part of the fees yourself.

Lifetime Health Cover and the private health insurance rebate do not apply to overseas visitors’ health cover. Goods and Services Tax (GST) is applied to the cost of overseas visitors’ health cover purchases.

What may not be covered?

Take care when you are purchasing cover as some plans will have lower benefits or no benefits for certain types of treatment, and waiting periods can vary – some policies may permanently exclude cover for pre-existing illnesses, meaning that such illnesses can never be covered. See the Tips on health insurance for visitors for further information about what you should look for when purchasing cover.

Most overseas visitors’ health cover products have limited cover for pharmaceuticals. Overseas visitors may face significant out-of-pocket costs if they need treatment with pharmaceuticals, particularly cancer treatment.

Travellers entering Australia may bring in medicines and medical devices for immediate use and to import small quantities for personal use. For more information see the Therapeutic Goods Administration website – Entering Australia and Personal Importation Scheme.

Where can I purchase OVHC?

You can purchase cover for visitors to Australia from Annalink. On our website, you can quickly get a quote and compare the OVHC from 4 Australian Government-approved providers, which are Allianz, Bupa, Medibank and Iman.

Remember, if you are on a visa with specific health insurance conditions, you need to purchase the type and level of health insurance specified by your visa. But don’t worry too much. Our team will help you find a suitable cover which meets your visa requirements.

You may also want to consider purchasing travel insurance, especially if you are in Australia for a short stay. Travel insurance may cover you for items that are not covered on visitors’ cover such as loss of travel goods and repatriation in a medical emergency. Travel insurance should be purchased in your country of origin before you depart for overseas.

OSHCstudents (source: Privatehealth)

News related

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

Partners

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Providers

  • King Education
  • North Sydney College English
  • NIB
  • HCC
  • Global Experience
  • Bupa
  • Vodafone
  • OVHC Iman
  • Allianz
  • Medibank
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