Australia is a top destination for international students, offering world-class education and a vibrant lifestyle. However, one essential requirement for student visa holders is Overseas Student Health Cover (OSHC). Understanding OSHC, its benefits, and how to choose the right provider is crucial for international students planning their journey to Australia.
What is OSHC?
Overseas Student Health Cover (OSHC) is a type of health insurance required by the Australian government for international students. It ensures that students have access to essential medical services during their stay, covering costs related to doctor visits, hospital stays, ambulance services, and certain medications.
Why is OSHC Mandatory?
The Australian Department of Home Affairs mandates OSHC as a visa condition (Subclass 500). This policy ensures that international students are financially protected in case of medical emergencies and do not burden the public healthcare system.
What Does OSHC Cover?
OSHC policies vary between providers, but they typically include:
✅ Doctor Consultations – Coverage for general practitioner (GP) visits.
✅ Hospital Treatment – Public and private hospital expenses (depending on policy).
✅ Prescription Medications – Partial coverage for prescribed medicines.
✅ Emergency Ambulance Services – Transportation in case of medical emergencies.
✅ Limited Specialist Services – Some policies cover physiotherapy, dental, and optical services.
💡 Tip: Some OSHC providers offer extras cover for additional benefits such as dental and physiotherapy, so it’s important to compare options before choosing a policy.
Choosing the Right OSHC Provider
Several insurance providers in Australia offer OSHC policies. When selecting a provider, consider the following factors:
Coverage & Benefits
Compare policies based on inclusions, exclusions, and claim limits to ensure they meet your healthcare needs.
Cost & Affordability
OSHC prices vary depending on the provider, duration, and level of coverage. Always check for affordable options without compromising essential benefits.
Ease of Claims & Customer Support
Look for providers that offer a simple claims process and 24/7 customer support, especially if English is not your first language.