What is OSHC?
If you are an international student coming to Australia on a Subclass 500 Student Visa to study counselling or related mental health programs, maintaining Overseas Student Health Cover (OSHC) is mandatory for your entire stay.
OSHC ensures you have access to essential healthcare services and protects you from costly medical expenses due to illness or injury while studying. Health insurance is a vital part of your study abroad experience, as medical treatment costs in Australia can be high. OSHC provides peace of mind by covering a broad range of healthcare needs, allowing you to focus fully on your counselling studies without worrying about unexpected medical bills.
Important: Holding valid OSHC is a strict visa requirement for all international students, and failure to maintain this cover can jeopardize your visa status.
OSHC Coverage
OSHC helps pay for visits to the doctor, some hospital treatment, ambulance cover, and limited pharmaceuticals (medicines).
OVHC for Visitors
Overseas Visitor Health Cover (OVHC) is for visitors to Australia who are not eligible for OSHC, such as those on working holiday or temporary work visas.
Key Benefits of OSHC
OSHC provides comprehensive health coverage to protect you during your studies in Australia.
Important: OSHC does not cover all medical expenses. Some services like dental, optical, and physiotherapy may require additional coverage.
Choosing an OSHC Provider
Select from approved OSHC providers recognized by the Australian government.
Allianz Care Australia OSHC
Bupa OSHC
Medibank OSHC
nib OSHC
AIA OSHC
Factors to Consider When Choosing
Monthly premiums and overall cost
Inclusions and coverage details
Ease of claims and customer service
Any specific health needs you might have as a counselling student
Renewing OSHC
If you extend your student visa or course duration, you must renew your OSHC to maintain continuous coverage. Never let your OSHC lapse as it's a visa condition.
⚠️ Important: Letting your OSHC expire can result in visa cancellation. Always renew before the expiry date.
Check Expiry Date
Review your current OSHC policy expiry date and visa validity period.
Contact Provider
Get in touch with your OSHC provider at least 2-4 weeks before expiry.
Update Details
Provide updated visa information and course duration if extended.
Make Payment
Pay the renewal premium to maintain continuous coverage without gaps.
Understanding OSHC After Graduation
After graduation, if you apply for a post-study work visa or another visa, you may need to maintain or switch your health insurance. Check with your provider about transitioning from OSHC to other health cover options like OVHC or private health insurance.
Why Health Insurance Is Important
Understanding the critical reasons why OSHC is essential for international students in Australia.
Visa Requirement
OSHC is mandatory for all international students on a student visa (subclass 500). Without it, your visa application may be rejected or cancelled.
High Medical Costs
Healthcare in Australia can be very expensive without insurance. A simple doctor's visit can cost $80-$150, and hospital stays can reach thousands of dollars.
Peace of Mind
Focus on your studies without worrying about unexpected medical expenses. OSHC provides financial protection and access to quality healthcare when you need it.
Did You Know?
Australia has one of the best healthcare systems in the world. With OSHC, you'll have access to quality medical services, experienced doctors, and modern facilities throughout your stay.
Tips for International Students
Essential advice to help you make the most of your OSHC coverage.
Compare OSHC Plans Before Arrival
Review different providers' inclusions, costs, and claim processes to find the best fit for your needs.
Keep Your Policy Current
Renew your OSHC or OVHC on time to avoid coverage gaps that could affect your visa status.
Understand Your Coverage
Know what medical services are included, how to make claims, and emergency contact details for your provider.
Seek Help If Needed
Your university's student support services or education agent can assist with OSHC issues and queries.
Get Health Cover Assistance
Our team can help you find the right OSHC provider for your needs.