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07 | 11 | 22
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Who needs OSHC?

OSHCstudents – Overseas student health cover (OSHC) assists international students in paying the cost of medical and healthcare they may need while studying in Australia.

It is a condition of most student visas to have health insurance for the full duration of that visa. OSHC is designed for people who are the holder of a student visa or a person who:

  1. is an applicant for a Student Visa ; and
  2. is the holder of a Bridging Visa; and
  3. was, immediately before being granted the Bridging Visa, the holder of a Student Visa.

The requirement to have OSHC for the entire length of your student visa applies to overseas students who purchased OSHC on or after 1 July 2010.

How to calculate OSHC length?

However, there are limited exceptions for students from certain countries:

Norwegian and Swedish students

Norwegian and Swedish students who are covered by health insurance arrangements provided by their Governments do not need to take out OSHC. Any student not eligible for cover provided by their Government must take out an OSHC policy.

Belgian students

Belgian students studying in Australia are covered under the Reciprocal Health Care Agreement with Australia and do not need to take out OSHC. However, Belgian students may wish to take out OSHC for a more comprehensive level of cover.

OSHCstudents (source: Medibank)

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


  • 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