Australia has a special system of health
cover for international students and it is generally known as
Overseas Student Health Cover (OSHC).
All international students except students from Sweden
and Norway are required to have OSHC.
Having OSHC is a condition of your student visa for the total
duration of your study time in Australia. This is important as
international students are not be covered by Australia's national
health program, which is called 'Medicare'.
Overseas Student Health Cover (OSHC) provides affordable health
cover designed to cover the medical and hospital services you may
need while in Australia.
There are many OSHC providers in Australia and your university
or institution will recommend a provider to you when you apply as
most universities have chosen a preferred provider.
OSHC is available for singles or for families who may be
traveling with you to Australia. Please note that it is important
that you indicate to your institution, what level of cover you
The issuing of OSHC is regulated by the Australian Government.
Only Australian health funds that have signed a Deed with the
Australian Government can provide OSHC.
The four providers of OSHC in Australia are:
How to get OSHC
To enable you to obtain your student visa, you will need to
obtain OSHC cover before applying for your visa. Your university or
institution will lodge your OSHC application and your payment to
the specific OSHC provider at the time of processing your
enrolment. You will then obtain all your membership details during
your orientation and enrolment program or when you first arrive in
How much does it cost
The cost of OSHC depends on how long you will be studying in
Australia. Your university or each provider will be able to provide
more information to you regarding costs. Alternatively, you can
visit the individual OSHC website to obtain more information.
Your institution may require you to pay the total cost of OSHC
which will cover your entire duration in Australia. This can be of
benefit to you as you then don't need to worry about your cover
expiring and renewing your cover.
Extending your cover
If your OSHC is close to expiring or has expired you much renew
your membership if you will continue to stay and study in
Usually the provider or your institution will send you reminders
to extend your cover however, it will be your responsibility to
ensure you are fully covered by OSHC.
Health Benefits are not paid if your OSHC has expired.
What is covered?
OSHC covers most medical expenses and the cost of hospital care
which you may need while in Australia. OSHC will also pay for most
prescription drugs and emergency ambulance transport. Please
carefully check what is covered via your provider's website.
What is not covered?
Dental and optometry costs are usually not included but students
may also take out additional cover.
Students are reminded that OSHC does not cover any pre-existing
conditions (such as pregnancy or prior illness) and such expenses
must be met by the student.
- something similar, but superior, to IGEC's http://www.igec.com.au/australia/health-insurance
- allow student to apply. Can this be done via the
supplier's website, but make reference to LE so we can collect our
commission ? (this would be next stage)