Overseas Student Health Care (OSHC) Policy

Understanding Overseas Student Health Care (OSHC) Policy 
OSHC is something almost every international student needs to purchase before studying in Australia. It costs a significant amount of money, yet it is often overlooked or not fully understood.  You actually have a choice of OSHC provider  – and understanding the options available to you could save you money. To help you get your head around OSHC, we’ve created this guide.
What is OSHC?
Overseas Students Health Cover (OSHC) is a mandatory health insurance designed to help students afford the costs of medical treatments they may need while studying in Australia.
Do I need to get OSHC?
All international students (Excluding Belgian, Norwegian and Swedish nationals) and their dependents (spouses and children under 18 years old) are required to have an OSHC policy for the duration of their stay in Australia. In most cases, an international student is a person who has a student visa.  Dependents cannot purchase their own OSHC policy, they need to be listed as a dependent on the main applicant’s policy.
How long do I need to be covered by OSHC?
International students need to have OSHC cover for the entire duration of their student visa. If a student renews their student visa, they must also extend their OSHC policy to cover the duration of the new visa period.  Read our blog post regarding visa length, for further help understanding on the timeframe you should be covered for
Which insurers can I purchase OSHC from?
Only Australian-registered private health insurers can offer OSHC. These are the 5 government-approved OSHC providers. You can compare all their prices and benefits on our site:
1. Australian Health Management (ahm)
2. BUPA
3. Medibank Private
4. NIB
5. Allianz Global Assistance
Some important things to note: 
Where there is a reference to MBS (Medicare Benefits Schedule), the cover you receive is a percentage of a ‘schedule fee’ (an amount the Australian government has assigned to each medical service they subsidise). 

Prescription medicine benefits are limited to $50 per pharmaceutical item to a maximum of $300 a year for a single membership ($600 for a family membership).

Some insurers may offer a different OSHC product in universities where they are a preferred partner.
How do I apply for OSHC?
When you apply to study, the education institution will normally have a preferred OSHC insurance provider. However, it is important to know that you can chose your own preferred OSHC provider.
How do I apply for OSHC?
When you apply to study, the education institution will normally have a preferred OSHC insurance provider. However, it is important to know that you can chose your own preferred OSHC provider.
To compare all 5 providers and purchase/apply for your OSHC, go to our homepage: OSHCAustralia.com.
I have more questions, who can I talk to?
We’re here to help – our site has more information about OSHC and what each provider covers.
Questions?
Phone: +61 7 333 1521
Email: support@oshcaustralia.com.au

Author: Kirsty Jackson

As CMO, Kirsty is responsible for carrying out our company vision by creating global marketing and communication strategies that drive growth and nurture our customer experiences.

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