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Your Frequently Asked Questions About OSHC

OSHCstudents-You are coming to Australia to study and need to buy OSHC for visa application? The list of frequently asked questions about OSHC below can be useful for you.


Read more:

  • Important notes about OSHC

How Does Overseas Student Health Cover Work?

Overseas Student Health Cover (OSHC) is a compulsory health insurance product required by international students studying in Australia. OSHC is an insurance product that basically gives international students a level of insurance coverage that is based on the Australian Medicare system.

How and When to Activate OSHC?

To activate insurance, students need to hold a student visa and have arrived in Australia: – If you have just arrived in Australia: you need to activate OSHC at the time you arrive in Australia – If the student is in Australia applying for an visa extension or visa conversion: activate OSHC once granted the student visa Students can activate on website or mobile app

Under what circumstances will OSHC be refunded?

The reasons to get the refund:

1. Get refusal of application for a Student visa

2. You are leaving Australia earlier than expected

3. You no longer hold a student visa

4. You have a simultaneous OSHC policy with another provider

5. Your OSHC policy is longer than your student visa

To cancel your OSHC policy, you’ll need to:

1. Complete the refund form

2. Attach any documentary proof of the reason for the refund, e.g. a letter from the Department of Home Affairs where the visa is denied; a letter from the educational institution, exit stamp in the passport, boarding pass, etc.

What is claim OSHC? How to claim OSHC?

When you get medical treatment outside of the Direct billing system that your insurance company is not affiliated with, you will pay the costs and receive bills from the doctor, then go through the claim procedure (the procedure to apply for a refund) with your insurance provider. Please contact the company to complete the procedure, you can make a claim via the app, via your insurance account, by post, and by email. See instructions from your insurance carrier at the links below:

+ Your claim will be processed within 2-3 working weeks from OSHC providers receiving your claim, provided them have all the information, they need

+ Claims lodged within two (2) years of the date of service and your membership must be current at date of service.

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.

OSHCstudents Team

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News related

Things are not covered by OSHC in Australia 24/10/2023 | 637 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

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