OSHC and Health Care in Australia 2025: What Every International Student Must Know
Studying in Australia is an exciting opportunity, but international students must be aware of the healthcare and insurance requirements before arriving. One of the most important obligations for student visa holders is obtaining Overseas Student Health Cover (OSHC). In this guide, we’ll explain everything you need to know about OSHC, healthcare services, and how to stay covered in 2025.
If you’re planning your study journey with Megha Consultancy, their expert team can also guide you through OSHC requirements and help you choose the right health cover plan before your visa lodgement.
What is OSHC and Why is It Important?
OSHC (Overseas Student Health Cover) is health insurance specifically for international students in Australia. It helps cover medical and hospital costs, making sure students can get treatment when they need it without paying huge bills out of pocket. The Australian government requires all student visa holders to have it, so you’re protected while studying abroad.
Why OSHC matters:
- Meets student visa requirements
- Provides coverage for doctor visits, hospital treatment, and emergencies
- Protects you from unexpected healthcare expenses
Main coverage includes:
- GP (General Practitioner) visits
- Hospital treatment and surgery
- Prescription medicines under the Pharmaceutical Benefits Scheme
- Emergency ambulance services
What Healthcare Services Does OSHC Cover?
OSHC isn’t just insurance on paper—it gives you access to essential healthcare services while studying in Australia. Some key areas covered are:
- Medical Care and GP Visits
International students can visit registered doctors for routine checkups or illness without paying the full cost. - Hospital Treatment
OSHC covers hospitalization, surgeries, and specialist care. Detailed guidance on hospital treatment can help students navigate their options. - Emergency Ambulance Services
Ambulance services in Australia can be expensive, but OSHC ensures you’re covered in emergencies. - Prescription Medicines
Certain medications listed under Australia’s Pharmaceutical Benefits Scheme are included. - Dental and Optical Coverage
Some OSHC providers offer optional coverage for dental and optical services, which can be especially helpful for first-time international students.
Choosing the Best OSHC Provider
Selecting the right OSHC provider is crucial for getting the best coverage at an affordable price. Consider the following:
- Compare providers based on coverage, cost, and benefits
- Look for extra services like dental, optical, and mental health coverage
- Ensure they provide easy claim submission, either online or through a mobile app
Popular OSHC providers include:
- Allianz Care
- Bupa OSHC
- Medibank OSHC
- NIB OSHC
If you’re unsure which provider fits your needs or budget, Megha Consultancy’s visa team can recommend suitable OSHC options while preparing your student visa documents.
OSHC vs Private Health Insurance in Australia
While OSHC is mandatory, some students may choose additional private health insurance for broader coverage. Here’s the difference:
| Feature | OSHC | Private Health Insurance |
| Mandatory for student visa | ✅ | ❌ |
| Covers GP, hospital, prescriptions | ✅ | ✅ |
| Dental and optical | Optional | Usually included |
| Premium cost | Affordable | Higher |
How to Claim OSHC in Australia
Understanding the OSHC claims process helps you access care without stress:
- Visit a registered healthcare provider
- Pay upfront (if required) or use direct billing
- Submit receipts through the provider’s online portal or app
- Receive reimbursement or direct billing coverage
Some niche tips:
- Keep all medical records and receipts
- Understand waiting periods for certain services
- Check coverage for pre-existing conditions
OSHC for Part-Time and First-Time Students
- Part-time students: Ensure your coverage aligns with your study hours and visa conditions
- First-time international students: Familiarize yourself with provider terms, claim steps, and emergency services
OSHC Renewal and Policy Extensions
Your OSHC must cover the entire duration of your student visa. If your visa is extended or you continue studying, make sure to:
- Renew your OSHC on time
- Check for policy extensions if switching providers
- Understand differences between OSHC and OVHC after graduation
OSHC vs OVHC
| Feature | OSHC (Overseas Student Health Cover) | OVHC (Overseas Visitor Health Cover) |
| Who it’s for | International students on a student visa | Temporary visa holders (e.g., post-study work visas) |
| Purpose | Covers medical costs while studying in Australia | Provides health coverage after student visa ends or for temporary visitors |
| Mandatory | Yes, required for all student visa holders | Not mandatory, but recommended for safety |
| Coverage | Doctor visits, hospital treatment, emergency ambulance, optional dental/optical | Similar to OSHC—hospital care, doctor visits, ambulance, optional extras |
| Payment Options | Annual, monthly, or quarterly | Annual, sometimes monthly (depends on provider) |
| When to Use | During your student visa period | After graduation or when switching to a temporary work/visitor visa |
OSHC and Medicare Eligibility
Some international students from countries with a Reciprocal Health Care Agreement (RHCA) can access limited Medicare benefits in Australia. Check if your country is eligible to supplement your OSHC coverage.
Affordable OSHC Plans in 2025
When choosing a plan, consider:
- Coverage for hospital, GP, dental, optical, and mental health services
- Premium cost vs benefits
- Ease of claim submission
- Provider reputation and customer support
Conclusion
Navigating OSHC and healthcare in Australia doesn’t have to be complicated. With the right plan—and expert guidance from Megha Consultancy—you can stay healthy, protected, and stress-free throughout your study journey.
Key takeaway: OSHC is not just a visa requirement—it’s your gateway to safe, affordable healthcare in Australia. Choose the best plan, know what it covers, and understand how to claim when needed.
FAQs About OSHC and Healthcare for International Students
Q1: Can I pay OSHC monthly on a student visa?
Yes! Many providers offer monthly payments, but your coverage must still last for the full visa period. Some may charge a small fee.
Q2: Is OSHC mandatory for all student visa holders?
Yes. OSHC is required for all international students to access medical care in Australia.
Q3: How much does OSHC cost in Australia?
OSHC costs around AUD 500–600 per year for a single student. Many providers let you pay monthly or quarterly.
Q4: Can I use OSHC for emergencies?
Yes! OSHC covers hospital admissions and ambulance services, so you’re protected in urgent situations.
Q5: Can family members be covered by OSHC?
Yes, some OSHC providers allow spouses or dependents to be included, but it depends on your policy and visa type. Always check with your provider or consult Megha Consultancy for the right family OSHC plan.
