OSHC STUDENTS

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What if I have a problem with my OSHC insurer?

OSHC Students – OSHC is insurance to assist international students meet the costs of medical and hospital care that they may need while in Australia. OSHC will also pay limited benefits for pharmaceuticals and ambulance services

Who has to take out OSHC?

Overseas students must maintain adequate health insurance for the duration of their student visa. This includes the student and their family members such as, spouses and children under 18 years old.

OSHC is considered adequate health insurance. Students from Sweden, Norway, and Belgium may have special arrangements under their own national schemes. To find out if special arrangements apply please visit the Department of Home Affairs website.

For the purposes of OSHC, ‘overseas student’ means:

  • a person who is the holder of a student visa; or
  • a person who:
    • is an applicant for a student visa; and
    • is the holder of a bridging visa; and
    • was immediately before being granted the bridging visa, the holder of a student visa.

Which insurers offer OSHC?

Any Australian Health fund can offer OSHC policies for overseas students provided it has signed a legal agreement with the Commonwealth in order to provide these services. This agreement is called a Deed. Currently, there are four Australian private health insurers signed to the Deed.

The following private health insurers provide OSHC products and policies for overseas students:

  • Peoplecare Health Limited (Allianz Global Assistance offers OSHC products and policies under an arrangement with Peoplecare)
  • BUPA Australia
  • Medibank Private Limited
  • Australian Health Management (ahm health insurance is a business of Medibank Private Limited)
  • nib Health Funds Limited

Details and costs of policies, including what an OSHC policy will and won’t cover, and any waiting periods that may apply to certain treatment types, can be obtained by contacting each insurer directly.

Can I take out OSHC insurance with an overseas insurer?

No. Only Australian registered private health insurers can offer OSHC. This is so the Australian Government can monitor and regulate insurers covering people living temporarily in Australia. The Government is not able to protect the interests of people insured by overseas insurance companies in the same way.

What if I have a problem with my OSHC insurer, my policy or my bill for treatment?

If you have a problem with your OSHC insurer, you should contact your insurer in the first instance.
If you are unable to resolve your enquiry, you can contact the Private Health Insurance Ombudsman (PHIO). The PHIO provides a free independent service to help consumers with health insurance problems and enquiries.

The PHIO can deal with complaints from health fund members, health funds, private hospitals or medical practitioners. Complaints must be about a health insurance arrangement.

Phone: 1300 362 072 (within Australia)

Email: Private Health Insurance Ombudsman

Visit the PHIO website.

Have a question?

We are just a call away +61 2 8123 0900
We could also be contacted at info@oshcstudents.com to assist you with any of your OSHC enquiries or chat with us via OSHCstudents fanpage messenger.

FAQs of OSHC => Click here

Emma (OSHCstudents) – According to health.gov.au

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

  • PTE Platform
  • Inus
  • Flywire
  • Imagine Education Australia
  • Shorelight
  • Opera City English College

Providers

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