Find the right OSHC for your studies in Australia

OSHC or Overseas Student Health Cover, is a specialised health insurance designed for international students studying in Australia. It helps cover the high cost of healthcare services in Australia, including: 

• Visits to general practitioners (GPs). 

• Hospital stays. 

• Prescription medications. 

• Emergency ambulance services. 

OSHC is mandatory as it forms a key part of the Australian student visa application process. The Australian government requires all international students to maintain active health coverage throughout their study period. 

As a student, you must have an active OSHC policy before arriving in Australia. The policy must cover the entire duration of your student visa. If your study period is extended, you are required to: 

• Extend your OSHC policy before your current coverage expires. 

• Ensure there is no gap in your health insurance coverage. 

For example, if your visa is extended by six months, you must purchase an additional OSHC policy for that period. 

Beyond being a mandatory visa requirement, OSHC provides protection and support for international students. It offers access to affordable healthcare services and coverage for emergency medical situations. 

Affordable healthcare access 

Australia is known for its world-class healthcare system. However, medical expenses in the country can be extremely high for international students without insurance. 

With OSHC, international students can access Australia’s healthcare services at a more affordable cost. The insurance typically covers a significant portion of medical expenses, ensuring students don’t have to hesitate to seek medical help due to financial concerns. 

Basic OSHC coverage often includes: 

• Visits to GPs. 

• Hospital stays. 

• Emergency ambulance services. 

• Some prescription medications. 

Note: Be sure to review the specific details of your OSHC plan, as certain services like dental or optical care may not be included in basic coverage. 

Emergency services 

OSHC ensures that you receive the necessary care during unexpected situations such as accidents or sudden illnesses. This often includes emergency ambulance transportation and urgent hospital care. 

Knowing that you are protected in case of emergencies provides peace of mind during your studies abroad. OSHC alleviates concerns about high costs during unforeseen medical events. 

The importance of OSHC has led to the emergence of various health insurance providers in Australia. Each provider offers different benefits and levels of coverage to cater to the needs of international students. 

Here are some tips to help you choose the best OSHC provider for your needs: 

1. Cost and affordability 

OSHC costs can vary depending on the provider and the extent of coverage. Compare prices across multiple providers to ensure you are getting the best value. Understand what is included in the policy and ensure it aligns with your needs. 

Additionally, ask about any hidden fees, such as administrative or processing charges, to avoid unexpected costs. 

2. Healthcare network 

Check the provider’s healthcare network to ensure there are doctors and healthcare facilities near your university or residence. A broader network makes it easier to access medical care when needed. 

3. Waiting period 

Some OSHC providers impose a waiting period before you can access certain services, particularly for pre-existing conditions. Review the waiting periods for each provider and choose one with shorter or no waiting periods if this is a concern for you. 

4. Flexibility and additional services 

Certain OSHC providers offer additional benefits, such as dental care, mental health support, or access to telemedicine. Consider whether these extra services are relevant to your needs. 

5. Claims and reimbursement process 

A straightforward and efficient claims process is crucial. Familiarise yourself with how to file claims, the required documentation, and the expected processing time. 

6. Policy duration and extensions 

Ensure the policy covers your entire study duration in Australia. Opt for providers that offer easy extension options if your study period is extended. 

7. Reviews and recommendations 

Just like shopping online, reading reviews from other students can provide valuable insights. Look for feedback from international students who have used the provider’s services to gauge satisfaction and reliability. 

Whether you’re seeking the cheapest Overseas Student Health Cover or the one with the best coverage, the choice depends on your preferences and requirements. Select the right health insurance to enhance your study experience in Australia. 

Still unsure which OSHC provider is best for you? Don’t worry—IDP is here to help! 

We work with trusted health insurance providers in Australia to ensure you get the best coverage for your needs.  

Speak to IDP today and receive expert guidance at every step of your study journey, including university applications, student visa submissions, finding accommodation, and choosing the right OSHC plan. 

Contact IDP now and start your overseas study journey with confidence!