OSHC

Overseas Student Health Cover (OSHC) is a private health insurance program for international students studying in Australia. It is a requirement for most student visa applications (subclass 500) and may also cover eligible dependants accompanying the student.

OSHC provides access to medically necessary treatment in Australia, including private or public hospital care and visits to doctors. Most policies also cover ambulance transport and a limited range of prescription medicines. Coverage levels, waiting periods, and excluded services vary by policy and insurer; common exclusions include routine dental and optical care, cosmetic procedures, and some pre-existing conditions.

OSHC policies are offered by private insurers and can be arranged through universities or directly with the insurer. The choice of provider affects benefits and price. The Australian Government regulates OSHC as part of the visa program; students must maintain eligible coverage for the duration of their stay.

Claims and use: Depending on the plan, services may be billed directly to the insurer, or you may pay upfront and claim reimbursement. A membership card is typically used to access services. It is important to check the policy details before travel and to renew coverage to avoid gaps.

OSHC is distinct from Medicare, the public health system for Australian residents. It is designed to reduce the risk of high medical costs for temporary residents and to provide access to essential services during study in Australia.