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What is OSHC and why is it important?

OSHC Students – OSHC (Overseas Student Health Cover) is insurance taken out by international students to meet hospital and medical costs while in Australia.

Who must have OSHC?

An overseas student must obtain OSHC if they are undertaking formal studies in Australia. Their dependents, such as spouse and children under 18, must also be covered.

An ‘overseas student’ means a person who is holder of a student visa or an applicant for a student visa and holder of a bridging visa immediately after being granted the student visa.

If you are required to be covered by OSHC, the Department of Immigration and Citizenship requires you to retain the insurance for the duration of your time in Australia. If you extend the length of your stay, you must renew your policy.

Who does not need OSHC?

You are not required to obtain OSHC coverage for your visa if you are a student from:

  • Belgium;
  • Norway; or
  • Sweden

This due to reciprocal arrangements Australia has with these countries.

Who offers OSHC?

OSHC is offered by:

You may find it easier to obtain OSHC through your education provider, however you always retain the right to choose your own OSHC provider.

What does OSHC cover?

OSHC provides a safety net for international students and covers the cost of visits to the doctor, some hospital treatment, ambulance cover and limited pharmaceuticals.

However, there are a range of different OSHC products covering different services, so always read your policy and check your level of cover. Make sure you understand what services are excluded. Also note that OSHC insurers may impose waiting periods.

How much does OSHC cost?

The cost of OSHC will vary depending on the type of cover. The average cost of minimum cover is $437 for 12 months single cover, $1222 for 12 months couple cover, $1744 for 12 months single-parents cover and $2022 family cover.

When you receive a bill for medical treatment, you can either pay the bill and receive reimbursement from your insurer, or the unpaid account can be sent directly to the insurer. For pharmaceutical claims, you must pay the chemist first and then claim from the insurer.

Renewing and transferring your coverage

You can renew your cover by either contacting your insurer or your educational institution. You can transfer to a different OSHC provider but you may incur a ‘refund processing fee’.

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

You can contact OSHC Students, which provides a free, independent service to help consumers with health insurance problems and enquiries.


www.oshcstudents.com.au is the internationally recognized network which offers a wide range of products and services for international students/visitors and organizations

However, if you are looking at OSHC, you can check out the prices and purchase insurance here.

Contact us for further information:

Email: info@oshcstudents.com

Hotline: +61 2 8123 0900/+61 2 8123 0901

Emma (OSHCstudents) – According to apsi.edu.au

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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


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


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