What Is Overseas Student Health Cover (OSHC) Australia?

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If you wish to study in Australia, you are first required to understand what Overseas Student Health Cover (OSHC) is and how it works. It's more than simply a legal obligation; it's a safety net that guarantees you have access to healthcare when you need it.

Overseas Student Health Cover (OSHC) is a health insurance coverage that is required for overseas students studying in Australia. It is a requirement of your student visa that you have OSHC coverage for the duration of your stay.

Overseas Student Health Cover (OSHC) helps to pay the expenses of medical and hospital treatment that you may require while studying in Australia. This includes doctor visits, hospital admissions, prescription medications, ambulance coverage etc.

So, whether you're a prospective student or already studying in Australia, keep reading to find out how OSHC may be your dependable companion on your academic adventure in the Land Down Under.

What Is Overseas Student Health Cover (OSHC)?

Overseas Student Health Cover, or OSHC, is a government-mandated health insurance programme for overseas students studying in Australia.

Overseas Student Health Cover (OSHC) is a sort of health insurance that assists overseas students in covering the expenses of medical and hospital treatment while studying in Australia. It also offers ambulance coverage and a limited supply of medications.

The main purpose of this programme is to guarantee that international students have the right to receive necessary medical treatments while studying in the country.

The OSHC is essential for overseas students to get an Australian student visa, and it gives international students peace of mind by aiding them with handling unexpected healthcare expenditures and keeping them healthy during their academic journey.

Here are some examples of medical expenses that OSHC can cover:

  • Doctor visits
  • Hospital admissions
  • Surgery
  • Prescription medications
  • Emergency ambulance services
  • Some prosthetic devices
  • Accessibility to private hospitals and day surgery

It is an essential safety net that protects students' well-being throughout their time in Australia, allowing them to focus on their academics and make the most of their time abroad.

What Medical Services Are Not Covered By OSHC?

Non-hospital services (extras cover), such as dental, optical, or physiotherapy, are not covered by Overseas Student Health Cover (OSHC).

Here are some examples of medical expenses that OSHC does not cover:

  • Dental care
  • Optical care
  • Physiotherapy
  • Complementary and alternative medicine
  • Cosmetic surgery
  • Pre-existing medical conditions

If you need these treatments covered, you can get Extras OSHC from an OSHC provider or general treatment cover from any Australian commercial health insurer. Other insurance, such as foreign travel insurance, can be used to augment OSHC.

Generally, OSHC policies can vary, so it is important to read the policy fine print carefully to understand what is and is not covered.

Where Should International Students Purchase Overseas Student Health Cover (OSHC)?

Overseas Student Health Cover (OSHC) is available from a registered OSHC provider. Here is a list of a few registered OSHC providers:

There are a number of different OSHC providers to choose from, and each provider offers a variety of different policies with different levels of coverage. It is important to compare the different policies and choose one that best meets your needs and budget.

How Long Do I Need OSHC?


International students must have OSHC coverage for the term of their student visa. This means that OSHC must begin on the date you arrive in Australia and continue until your visa expires. If you do not have OSHC, the Australian Government may penalize you.

OSHC is required throughout the duration of your studies in Australia as well as any additional time spent in Australia after your studies are over. If your OSHC expires, your visa will be revoked.

If you intend to extend your student visa, you must also renew your OSHC coverage. This may be done by contacting your OSHC provider.

How to Choose the Right Overseas Student Health Cover Policy?

For overseas students studying in Australia, selecting the correct Overseas Student Health Cover (OSHC) coverage is critical. We all know that the right OSHC can assist you in covering the expenses of medical and hospital treatment while studying in Australia; therefore it is critical to choose an insurance that best meets your requirements and budget.

Here are some key factors to consider when choosing an OSHC policy:

  • Compare the benefits of several OSHC providers to pick the one that best matches your needs.
  • Students must read the policy fine print carefully. It is important to carefully review each policy detail to understand what is and is not covered by the insurance.
  • Check your budget. OSHC policies vary in price, so consider your budget while selecting insurance.
  • However, it is important to note that it is best to buy a policy that provides adequate coverage, even if it is somewhat more expensive.
  • Students must select an Australian Government-registered provider.
  • Take into account any pre-existing medical issues. If you have any pre-existing medical issues, you must select an OSHC coverage that covers those.
  • Look into your travel plans. If you want to travel outside of Australia while studying, you must select OSHC insurance that includes coverage for overseas medical care.
  • Students can book a free study abroad counselling session from trusted study consultants for more information about Overseas Student Health coverage. They can give you their recommendations for OSHC providers and policies.

What Are the Benefits of Overseas Student Health Cover (OSHC)?

If you are an international student planning to study in Australia, it is important to purchase OSHC. There are many benefits of Overseas Student Health Cover like

  • It provides you with peace of mind by ensuring that you are financially secure in the case of a medical emergency.
  • It enables you to seek medical attention from both public and private hospitals and doctors.
  • It can assist in lowering the cost of prescription medications.
  • It can also cover some other medical costs, such as dental and vision treatment.

If you are an international student wanting to study in Australia, make sure you have OSHC insurance before you come. Students can complete this online or through an OSHC provider.

In conclusion, Overseas Student Health Cover (OSHC) is an important part of your student visa requirements and can help you cover the costs of medical and hospital care while you are studying in Australia.

When choosing OSHC insurance, it's critical to compare the advantages provided by different providers and pay close attention to the policy's fine print to make an informed selection that meets your needs and budget.

If you are an international student planning to study in Australia, be sure to purchase an OSHC cover before you arrive. You can do this online or through a registered OSHC provider.

Cosmo Consultants is committed to realizing your dream of studying in Australia while also ensuring your safety and well-being during your academic journey.

But our commitment doesn't end there. We're here to guide you through every step of your study abroad adventure, from visa applications to course selection and settling into Australian life.

Contact us now to learn more about our extensive services and how we can help you realize your goal of studying in Australia. Don't miss out on this once-in-a-lifetime opportunity. Your future awaits you in Australia, and we're here to assist you in making it a reality.

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