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Why do you need Overseas Health Insurance Cover (OVHC or OSHC ) for Australia?

OSHCstudents-Overseas Health Insurance Cover (OVHC) or Overseas Student Health Cover (OSHC) is required for certain visa holders in Australia to ensure they have adequate health insurance during their stay in the country. The need for OVHC or OSHC arises for the following reasons.

Visa Requirements.

Australia’s immigration laws mandate that certain visa types require health insurance to be granted. For instance, international students studying in Australia on a student visa (subclass 500) are generally required to have OSHC for the duration of their study.

Access to Healthcare

Australia has a world-class healthcare system, and having health insurance allows overseas visitors to access medical services and treatments at a subsidized cost. Without OVHC or OSHC, international visitors may be liable to pay full fees for medical treatments, which can be quite expensive.

Fulfilling Visa Condition 8501

For some visa holders, such as subclass 482 Temporary Skill Shortage visa holders, having OVHC is a condition of their visa grant. This condition (8501) requires the visa holder to maintain adequate health insurance throughout their stay in Australia.

Protecting against High Medical Costs

Healthcare in Australia can be costly, especially for emergency situations or major medical treatments. Having OVHC or OSHC provides coverage for various medical services, hospitalization, prescription medicines, and other essential healthcare needs, reducing the financial burden on the individual.

Compliance with Healthcare Policy

The Australian government wants to ensure that all visitors to the country have appropriate health insurance to prevent overburdening the public healthcare system and to ensure visitors can access timely and quality healthcare services.

Peace of Mind

Having health insurance gives visa holders peace of mind knowing that they are covered in case of illness or injury during their stay in Australia.

It’s important to note that the specific requirements for OVHC or OSHC may vary depending on the visa type and personal circumstances. Therefore, it’s essential to check the specific visa conditions and requirements before traveling to Australia.

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.


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Things are not covered by OSHC in Australia 24/10/2023 | 584 Views

Things are not covered by OSHC in Australia

OSHCstudents-Overseas Student Health Cover (OSHC) is mandatory for international students in Australia, and it provides coverage for a range of medical services. The specific coverage may vary slightly depending on the insurance provider and policy, but here are some common aspects of what is typically not covered by OSHC.
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