Why Students Consider Switching OSHC Providers?

There are several reasons international students decide to change their health cover mid-course:

• You found a cheaper OSHC premium or promotional offer from another provider.
• You’re unhappy with your current insurer’s customer support or claim process.
• You need more comprehensive hospital or extras coverage.
• You changed your visa type or extended your course duration.
• Your education provider changed, requiring you to hold a continuous OSHC policy.

Tip: Always compare updated OSHC quotes before switching - prices and inclusions can differ between insurers such as Allianz Care, Bupa, nib, ahm, and Medibank.

Can You Change Your OSHC Provider Anytime?

Yes, but with conditions. The Department of Home Affairs requires international students to maintain continuous OSHC coverage that meets visa condition 8501.

You may change your provider if:

• Your current OSHC policy is refundable (most are, under certain conditions).
• You maintain no coverage gap between the old and new policy.
• You provide evidence of the new policy to your education provider or immigration department if requested.

Step-by-Step Guide to Switching OSHC Providers

1. Compare OSHC Policies and Benefits

Before switching, compare the cost, hospital cover, out-of-pocket limits, waiting periods, and extras of different insurers.

Use GetMyPolicy.online to quickly compare quotes from nib, Bupa, Allianz Care, Medibank, and ahm- all on one platform.

2. Check Cancellation Terms with Your Current Provider

Review the cancellation policy carefully. Some insurers charge a small administration fee or refund the unused premium amount after deducting taxes and charges.

3. Purchase Your New OSHC Policy

Once you find a better deal, apply for the new policy ensuring that your coverage start date aligns exactly with the old one’s end date.

4. Cancel Your Existing OSHC Policy

After securing your new policy, submit a written cancellation request to your previous insurer with your new certificate of insurance attached.

5. Notify Your Education Provider (if applicable)

Update your university or college with your new policy details to ensure visa compliance under condition 8501.

Important Things to Watch Out For

FAQs on Switching OSHC Providers

• Can I cancel my OSHC before my visa expires?
  ‍Yes, you can cancel it only after purchasing a new policy that starts immediately after the old one ends. Always ensure continuous coverage.
• Will I get a refund for my cancelled OSHC policy?
  ‍Most insurers - including Bupa, nib, Medibank, ahm, and Allianz Care - offer pro-rata refunds for unused months, provided you show proof of new coverage.
• Does switching OSHC affect my visa status?
  ‍No, as long as you don’t have a coverage gap. Immigration may request proof of continuous OSHC to ensure you meet visa condition 8501.
• Do I need to inform my university or TAFE?
  ‍Yes. Always share your updated OSHC certificate to keep your student records and visa details current.
• Can I switch to a single or couple policy mid-course?
  ‍Yes, if your circumstances change (e.g., you get married or your partner joins you). You can change from single to couple or family OSHC through providers like Bupa or Allianz Care Australia.