Overseas Student Health Cover (OSHC) is a mandatory health insurance policy for international students studying in Australia. It ensures that students have access to essential medical services, helping to cover the costs of doctor visits, hospital treatment, and prescription medicines. The Australian government requires all student visa holders to maintain OSHC for the entire duration of their stay.
OSHC functions similarly to private health insurance. Students pay for a policy upfront, either monthly, yearly, or for the full study period. Depending on the provider and plan chosen, OSHC typically covers:
- Doctor Consultations – Visits to general practitioners (GPs) for routine medical care.
- Hospital Treatment – Public hospital care and some private hospital services.
- Emergency Ambulance Services – In case of accidents or medical emergencies.
- Limited Prescription Medications – Partial coverage for prescribed medicines.
It’s important to note that OSHC does not cover dental, optical, or physiotherapy treatments unless students purchase additional coverage.
Several insurance providers in Australia offer OSHC, including:
- Medibank
- Bupa
- Allianz Care
- nib
- ahm
When selecting a provider, students should compare policies based on:
- Coverage – What medical services are included and excluded.
- Waiting Periods – Certain treatments may have a waiting time before they can be claimed.
- Ease of Claims Process – The convenience of lodging claims online or via an app.
- Network of Healthcare Providers – Whether the policy covers visits to specific hospitals or doctors.
Understanding how to seek medical assistance is essential for international students.
- Visiting a General Practitioner (GP)
A GP is the first point of contact for non-emergency health concerns. Many clinics offer bulk billing, meaning OSHC covers the consultation cost, and students do not have to pay out of pocket.
- Hospital and Emergency Care
In case of serious illness or injury, students can visit a public hospital for emergency care. If admitted as a public patient, OSHC covers treatment costs, but private hospital admissions may require additional expenses.
- Pharmacies and Prescription Medications
Pharmacies dispense prescription medicines, some of which are partially covered by OSHC. Students should check their policy to understand their medication allowances.
- Use University Health Services
Most universities provide on-campus health services, often with direct billing to OSHC providers.
- Maintain a Healthy Lifestyle
Regular exercise, a balanced diet, and mental well-being contribute to overall health. Australia offers parks, fitness centres, and sports clubs where students can stay active.
- Mental Health Support
Adjusting to a new country can be overwhelming. Universities and OSHC providers offer mental health counselling and support services.
