Compare and choose the best Overseas Student
Health Cover Insurance
Your Path to Quality Care
and Savings in Australia
| FEATURES |  $598.00 |  $652.0 |  $692.00 |  $651.00 |  $640 |
|---|---|---|---|---|---|
  Student Health Cover | |||||
| Approved Insurer for Visa |  Immigration approved | Immigration approved | Immigration approved | Immigration approved | Immigration approved |
| Policy Certificate | Delivered instantly | Delivered instantly | Delivered instantly | Delivered instantly | Delivered instantly |
| Support Services | |||||
Mobile App |   | | | | |
| Online Membership account | | | | | |
| Home Doctor services | | | | |  |
| 24*7 Supports |  1800 006 745 | 1800 814 781 | +61 3 9937 3999 | 1800 887 283 | 1800 022 222 |
| On campus support | | | | | |
| Virtual doctor services | A minimum out-of-pocket consultation fee of A$10 applies | Doctor on Demand | | A minimum out-of-pocket consultation fee of A$10 applies | |
| Safety & Security app | | Sonder | | | |
| Members exclusive discounts | | | | | |
| Multilingual OSHC Customer Service team | | | | | |
| Out of Hospital Medical Services | |||||
| Doctor Visits | General Practitioner (GP) consultations | 100% of the MBS fee | 100% of the MBS fee | General Practitioner (GP) consultations | 100% of the MBS fee |
| Pathology (blood tests etc) | 85% of the MBS fee | 85% of the MBS fee | 100% of the MBS fee | 85% of the MBS fee | 85% of the MBS fee |
| Radiology (e.g. x-ray, scans) | 85% of the MBS fee | 85% of the MBS fee | 100% of the MBS fee | 85% of the MBS fee | 85% of the MBS fee |
| Specialist consultations | 85% of the MBS fee | 85% of the MBS fee | 100% of the MBS fee | 85% of the MBS fee | 85% of the MBS fee |
| In-Hospital Medical Services | |||||
| Public Hospital | 100% of the cost of overnight and same-day accommodation in a shared or private room | 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident | 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident | 100% of the cost of overnight and same-day accommodation in a shared or private room | 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident |
| Private Hospital | 100% of the cost of overnight and same-day accommodation in a shared or private room | 100% of the charges for all insurable costs raised by a partner private hospital with a minimum of shared ward accommodation | 100% of the charges for all insurable costs raised by a partner private hospital with a minimum of shared ward accommodation | 100% of the cost of overnight and same-day accommodation in a shared or private room | 100% of the charges for all insurable costs raised by a partner private hospital with a minimum of shared ward accommodation |
| Private Room | Yes if available | Yes if available | Yes if available | Yes if available | Yes if available |
| Accident and Emergency Department Facility Fees | |||||
| Public Hospital | 100% of charges raised by the Public hospital for attending their accident and emergency department | 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident | 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident | 100% of charges raised by the Public hospital for attending their accident and emergency department | 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident |
| Contracted Private hospitals | 100% of any facility fee charged by the contracted private hospital for attending their accident and emergency department | 100% of the charges for all insurable costs raised by a partner private hospital with a minimum of shared ward accommodation | 100% of the charges for all insurable costs raised by a partner private hospital with a minimum of shared ward accommodation | 100% of any facility fee charged by the contracted private hospital for attending their accident and emergency department | 100% of the charges for all insurable costs raised by a partner private hospital with a minimum of shared ward accommodation |
| Non-contract Private hospitals | 100% of any facility fee charged by the non-contracted private hospital for attending their accident and emergency department | May not cover the full cost of your hospitalization. However, if you call the provider for a chat before you go into hospital, they’ll be able to tell you how much it will cost you. Members who choose a non-agreement hospital may incur out of pocket expenses for hospital-related services. | May not cover the full cost of your hospitalization. However, if you call the provider for a chat before you go into hospital, they’ll be able to tell you how much it will cost you. Members who choose a non-agreement hospital may incur out of pocket expenses for hospital-related services. | 100% of any facility fee charged by the non-contracted private hospital for attending their accident and emergency department | May not cover the full cost of your hospitalization. However, if you call the provider for a chat before you go into hospital, they’ll be able to tell you how much it will cost you. Members who choose a non-agreement hospital may incur out of pocket expenses for hospital-related services. |
| Other Coverage | |||||
| Ambulance services | | | | | |
| Surgically implanted prostheses and other items included on the Federal Government's prostheses List | 100% of the benefit as listed in the Australian Government’s Prostheses List | 100% of the cost | 100% of the cost | 100% of the benefit as listed in the Australian Government’s Prostheses List | 100% of the cost |
| MRI's | | | | | |
| Prescription medicines | Maximum benefit of $50 per prescribed item Co-Payment of $30 for each prescription item Annual limits of: - Single Membership: $500 - Couple/Family Membership: $500 per member / $1000 per membership | Maximum benefit of $50 per prescribed item For single cover - $300 pa Family cover - $600 pa Co-payment - $40.30 for each prescription item | Maximum benefit of $50 per prescribed item For single cover - $300 pa Family cover - $600 pa Co-payment - $40.30 for each prescription item | Maximum benefit of $70 per prescribed item Co-Payment of $30 for each prescription item Annual limits of: - Single Membership: $500 - Couple/Family Membership: $500 per member / $1000 per membership | Maximum benefit of $50 per prescribed item For single cover - $300 pa Family cover - $600 pa Co-payment - $40.30 for each prescription item |
| Waiting Periods | |||||
| Psychiatric Conditions | 2 months | 2 months | 0 months | 0 months | 2 months |
| Pregnancy and birth related services | 12 months | 12 months | 12 months | 12 months | 12 months |
| Other pre-exisiting conditions | 12 months | 12 months | 12 months | 12 months | 12 months |
| Refund Policy | |||||
| Refund policy | Limited refund admin fee may apply. Refunds should be requested by phone. | Can be applied through Allianz online membership account and app for free. | Can be applied through Bupa online membership account and for free. | Limited refund admin fee may apply. Refunds should be requested by phone. | Can be applied through NIB online membership account and app for free. |
FAQs
OSHC is a type of health insurance designed for international students in Australia. It helps cover the costs of medical and hospital care that you might need while studying in Australia.
Yes, OSHC is mandatory for most international students on a student visa. It’s a visa requirement to help ensure students can access healthcare without facing significant financial hardship.
OSHC typically covers visits to the doctor, some hospital treatment, ambulance services, and limited pharmaceuticals. However, coverage can vary depending on the policy.
OSHC usually does not cover pre-existing conditions, dental, optical, or physiotherapy. For these services, you might need additional private health insurance.
Your Overseas Student Health Cover (OSHC) must cover the entire duration of your student visa. It should start from the day you arrive in Australia and last until your visa expires or you leave Australia.
Yes, you have the freedom to choose your OSHC provider from a list of Australian government-approved providers.
You can purchase overseas student health coverage through your educational institution or directly from a health insurance provider. Some agents also offer OSHC services.
The cost of OSHC varies depending on the provider and the length of your stay. It’s advisable to compare different plans for the best rates and coverage.
Yes, you are allowed to change your Overseas Student Health Cover provider. However, make sure there is no gap in your coverage when switching.
Not having OSHC can lead to a breach of your student visa conditions. It could result in visa cancellation and potential deportation.
To use your Overseas Student Health Cover, you typically need to show your insurance card at medical centres or hospitals. Some providers also offer direct billing.
Yes, most OSHC providers offer the option to include coverage for family members like spouses and children.
If your visa status changes, inform your OSHC provider immediately, as it may affect your coverage.
To make a claim, you generally need to submit the relevant medical bills and receipts to your insurance provider, either online or in person.
If you extend your stay, you must also extend your OSHC coverage accordingly to remain compliant with visa regulations.
OSHC is designed to cover you in Australia. For international travel, consider purchasing additional travel insurance.
You can renew or extend your Overseas Student Health Cover (OSHC) by contacting your insurance provider before your current policy expires.
Consider factors like coverage, cost, ease of making claims, customer service, and any additional benefits offered by the provider.
You can cancel your Overseas Student Health Cover (OSHC) if you leave Australia permanently or if you are no longer on a student visa. Refund policies vary by provider.
For issues with your Overseas Student Health Cover (OSHC), first contact your provider. If unresolved, you can seek assistance from the Australian Government's Private Health Insurance Ombudsman.