Studying in Australia offers world-class education, cultural diversity, and a high quality of life. However, one essential requirement for international students is maintaining valid medical health insurance for the entire duration of their stay. The Australian Government mandates that most international students hold Overseas Student Health Cover (OSHC) to ensure they have access to necessary healthcare without facing overwhelming out-of-pocket costs.
Why Health Insurance Is Mandatory
Australia’s healthcare system provides exceptional medical services, but treatment can be expensive for non-residents (non-Australian citizens). OSHC ensures that international students receive affordable healthcare and comply with student visa conditions.
Who Needs Overseas Student Health Cover (OSHC)
Any international student holding a subclass 500 visa must have OSHC. Dependents, such as spouses or children also require appropriate OSHC coverage if they accompany the student.
What Is Overseas Student Health Cover (OSHC)?
OSHC is a special type of health insurance designed specifically for international students. It helps cover the cost of medical and hospital care while living and studying in Australia.
Government Requirements for OSHC
To meet visa obligations, OSHC must be valid from the day you arrive in Australia until the day you depart or your visa ends. Students are required to purchase OSHC before arriving in Australia
OSHC Duration of Coverage Based on Visa Length
OSHC should match the full length of your student visa, including any additional time granted for graduation, English preparation courses, or packaged programs.
Types of OSHC Plans in Australia
In Australia, Overseas Student Health Cover (OSHC) is required for most international students. While different insurers may brand their products differently. GoGlobalSafe work for all the type of OSHC coverage with skill, and following Australian government rules. However, OSHC plans generally fall into five core types.
Standard OSHC (Singles)
It overages for one student only. Includes hospital care, doctor visits, limited pharmaceuticals, and emergency ambulance services.
Dual-Family OSHC
Coverage for the student plus and must be:
· One adult dependent (partner), or
· One child dependent.
Multi-Family OSHC
Coverage for the student + partner + multiple children or the student + multiple children only.
Couples OSHC
Some insurers classify this separately from dual-family. Covers the student and their spouse/partner.
· One adult dependent (partner), or
· One child dependent.
Single-Parent or Child-Only OSHC
A less common category, depending on the insurer:
· Single-parent family OSHC: Student + one or more children
· Child-only OSHC: Rare, usually for younger dependents studying independently
What Does OSHC Cover?
Overseas Student Health Cover (OSHC) covers international students medical and hospital costs while studying in Australia. OSHC providers must meet the Australian Government’s minimum coverage requirements. However, let’s see what does OSHC cover.
Doctor Visits and Outpatient Services
OSHC covers visits to general practitioners and specialists up to the Medicare Benefits Schedule (MBS) fee.
Hospital Treatment and Emergency Services
Students are covered for shared ward hospital treatment, emergency room care, and some day surgeries.
Prescription Medications
Most OSHC providers contribute towards prescription medication costs up to set annual limits.
Ambulance Transport
Emergency ambulance services are generally included, offering valuable financial protection.
What’s Not Covered
OSHC does not usually cover:
· Dental and orthodontics
· Optical services
· Physiotherapy and
· chiropractic
· Elective surgeries
Students often choose extras cover or private insurance if they require these services.
Major OSHC Providers in Australia
See how to choose the best OSHC service providers to get the better OSHC service.
· Compare Premium Prices
· Examine Coverage & Benefits
· Check Direct Billing Networks
· Look at Claim Support & User Experience
· Consider Your Personal Needs
In that case, you may choose GoGlobalSafe for ensuring a better OSHC service in Australia. This is because GoGlobalSafe is a renowned in this service and they provide such a service for multiple renowned countries (USA, Canada, UK, etc.). So, contact them and get the better service.
Key Differences in Inclusions and Pricing
Each provider offers slightly different pricing structures, claiming processes, and extras. Comparing policies ensures students get the best value.
Waiting Periods and Policy Conditions
Some treatments have waiting periods, especially for pre-existing conditions or pregnancy-related care.
Choosing the Right OSHC Policy
Factors to Consider
· Budget
· Duration of study
· Medical history
· Whether dependants are travelling with you
How to Compare OSHC Plans Effectively
Students can use comparison tools, provider websites, and university recommendations to evaluate inclusions and pricing.
Common Mistakes to Avoid
· Purchasing a policy shorter than your visa length
· Ignoring waiting periods
· Choosing price over coverage quality
How to Purchase OSHC as an International Student
Most Australian universities partner with OSHC providers, offering simple enrolment and sometimes discounted pricing.
Buying Directly from Insurance Providers
Students may also purchase OSHC directly, allowing greater flexibility in policy selection.
Documents Required
Generally, you will need your:
· Passport details
· Student visa or CoE (Confirmation of Enrolment)
· Personal information
Cost of OSHC in Australia in 2025
Prices vary by provider, but these are the standard ballpark figures.
Average Costs by Provider
Prices vary, but most students pay between AUD $450 to $650 per year for singles cover, depending on the provider and policy type.
Conclusion
International Student Medical Health Insurance is a crucial part of studying in Australia. OSHC not only protects your health and finances but also ensures you remain compliant with visa requirements. With multiple providers and policy types available, taking the time to compare your options will help you find the most suitable cover for a stress-free study experience.
FAQs
Is OSHC Enough for International Students?
For most basic healthcare needs, yes. However, students with specific medical requirements may benefit from additional private insurance.
Can You Switch Providers?
Yes, students can change OSHC providers at any time, though cancellation fees may apply.
What Happens If Your OSHC Expires?
Your visa conditions may be breached. Maintaining continuous coverage is essential.
