Your Health, Your Choice: A Guide to OSHC for Filipinos Studying in Australia

1. Why do I need Australian health insurance?

You might already have insurance in the Philippines, but Australia’s rules are different. Only OSHC from an Australian-registered private health insurer is accepted. This ensures the government can regulate your coverage and protect you while you’re there.

2. How do I buy OSHC?

At IDP, we give you two easy options:

• Do it yourself online using a credit card.

• Get help from our counselors, who can guide you and suggest policies that fit your needs.

3. What if I don’t have a credit card?

No worries! IDP counselors can help you explore alternative payment methods.

4. How do I get the right coverage

Timing is everything when purchasing OSHC. Make sure your insurance covers the full length of your stay, including:

• Your arrival date: Choose a start date up to 28 days before your course begins.

• Your departure date: Extend coverage to match your visa’s end date.

Here’s a quick guide based on your course duration:

• 10+ months (finishing Nov–Dec): Visa valid until March of the following year.

• 10+ months (finishing Jan–Oct): Visa valid for two months after your course ends.

• Less than 10 months: Visa valid for one month after your course ends.

Feeling overwhelmed? Don't worry because your IDP education counselor is here to help you calculate these dates to ensure everything’s aligned.

5. Can I pay my OSHC monthly?

OSHC in Australia typically requires full payment upfront to meet visa requirements. This is because international students are mandated to have continuous coverage for the entire duration of their visa. While some OSHC providers advertise monthly cost equivalents for informational purposes, splitting the payment into monthly installments isn't a standard option for visa-compliant policies.

If affordability is a concern, comparing providers for the most cost-effective plan is a good approach. Some providers may allow payment flexibility under specific circumstances, so it's worth checking directly with them for detailed options. Needless to say, your IDP education counselor is more than ready to help you find the right provider that fits your priorities and budget.

6. Can I Get a Refund?

It depends on your provider.

In some cases, those who have their student visas denied can get a partial or full refund on their OSHC. All they need to do is submit a copy of the denial letter from the Australian Department of Home Affairs, and their provider will take care of the rest.

Why Choose IDP Philippines?

Studying abroad can be overwhelming, but you don’t have to do it alone. With IDP, you get:

• Expert guidance tailored for Filipino students.

• Personalized support for your OSHC, student visa, and other school requirements.

• Trusted experience in helping Filipinos achieve their study abroad goals.

Life Happens: Adjusting Your OSHC

If your family joins you in Australia or you welcome a new addition to your family while studying, you’ll need to upgrade your OSHC plan. IDP counselors are here to make that transition seamless.

Start Your Journey Today!

Your Australian dream is closer than you think. Let IDP Philippines guide you every step of the way. Visit our office or book a free consultation to learn more about OSHC and other essentials for studying abroad.