OVERSEAS STUDENT HEALTH COVER (OSHC)
Protecting Your Health While Studying Overseas
ABOUT THE VISA
Overseas Student Health Cover (OSHC) is a compulsory health insurance policy for international students studying in Australia. The Australian Government requires all Student visa (Subclass 500) holders to maintain OSHC for the entire duration of their stay in Australia. Without valid OSHC, a student visa cannot be granted or remain valid.Healthcare in Australia is of a high standard but can be expensive. Most international students are not eligible for Medicare (Australia's public healthcare system). OSHC ensures that students have access to necessary medical treatment without facing significant financial stress.
OSHC GENERALLY COVERS
Visits to a General Practitioner (GP)
In-hospital treatment in public hospitals
Surgery and accommodation costs in hospital
Emergency ambulance services
Limited prescription medicines
Basic OSHC policies usually do not include dental, optical, or physiotherapy services. However, students can purchase additional “extras” cover for these services if required.
There are several approved OSHC providers in Australia, including Allianz Care Australia, Bupa Australia, Medibank, nib, and ahm. All approved providers meet the minimum requirements set by the Australian Government, but coverage levels and pricing may vary.
OSHC CAN BE PURCHASED FOR
Single students
Couples
Families
It is important that OSHC remains active from the date of arrival in Australia until the visa expiry date. If a student extends their course, they must also extend their OSHC. Maintaining continuous cover is a visa condition and is essential to avoid any compliance issues.
At Qbase, we assist students in selecting the most suitable OSHC plan based on their visa requirements and personal needs. Our team ensures that your policy meets government requirements and is arranged smoothly before visa lodgement.
OVERSEAS VISITORS HEALTH COVER (OVHC)
Overseas Visitors Health Cover (OVHC) is private health insurance designed for temporary visa holders in Australia. It is suitable for visitors, skilled workers, working holiday makers, and other non-student temporary residents. Unlike student visa holders, these visa holders require OVHC to meet their visa health insurance condition.
Most temporary visa holders are not eligible for Medicare in Australia. Medical and hospital costs can be very high without insurance. OVHC provides financial protection and ensures access to essential healthcare services during your stay.
OVHC GENERALLY COVERS
GP consultations
In-hospital treatment
Emergency ambulance services
Prescription medicines
Some policies may include additional benefits such as extras cover
Major OVHC providers in Australia include Allianz Care Australia, Bupa Australia, and Medibank. Different levels of cover are available, such as basic hospital cover or more comprehensive hospital and medical plans. The choice of plan depends on visa requirements, budget, and personal preference.
STUDENT VISA GUIDANCE
Securing admission is only one part of the journey. Obtaining a Student visa (Subclass 500) is equally important. Qbase provides complete assistance with the visa process, including
Single applicants
Couples
Families
Single parents with children
WHY OVHC IS IMPORTANT
It is a visa condition for many temporary visas.
It protects you from high medical and hospital costs.
It ensures access to quality healthcare services in Australia.
It provides peace of mind during your stay.
It helps you remain compliant with Australian immigration requirements.
Failure to maintain adequate health insurance may result in visa complications or non-compliance with visa conditions.
At Qbase, we can help you choose the right OVHC plan based on your visa subclass and personal circumstances. Our team provides guidance on suitable providers, coverage options, and policy duration to ensure you meet all Australian visa requirements. We make the process simple, clear, and stress-free so you can focus on your work or stay in Australia with confidence.
