Understanding OSHC for International Students: Essential 2026 Guide for Study in Australia

Studying in Australia is an exciting step toward world-class education, global exposure, and long-term career opportunities. As part of this journey, every international student must hold valid Overseas Student Health Cover (OSHC) – a mandatory requirement for the Student Visa (Subclass 500).

To support students with accurate, up-to-date information, the Australian Government released the 2025 OSHC Fact Sheet, developed in consultation with international students and education providers. This guide summarises those key updates and helps you understand OSHC requirements, coverage, and how to select the right plan for your study journey.

Important: The information in this guide reflects the latest updates available from the Australian Government, including details from the 2025 OSHC Fact Sheet. OSHC rules and policy conditions may change in the future. Students should check for the most recent updates or seek personalised guidance from Aussizz Group before finalising any OSHC decisions.

As a trusted advisor to thousands of international students every year, Aussizz Group ensures your OSHC is compliant, cost-effective, and aligned with your study and visa plans.

1. What is OSHC and Why Do International Students Need It?

OSHC is compulsory health insurance designed to protect international students from the high cost of medical care in Australia. As Student Visa 500 holders are not eligible for Medicare, OSHC acts as an essential safety net.

What OSHC typically covers:

• General practitioner (GP) visits
• Specialist doctor appointments
• Hospital treatment (public or private)
• Emergency ambulance services
• Prescription medicines (subject to limits)

Tip

Keep a digital copy of your OSHC certificate easily accessible. It is required for university enrolment, visa processing, and medical appointments.

Example

A student visits a clinic partnered with their OSHC insurer. Because the clinic uses direct billing, the insurer pays the eligible amount and the student pays only a small gap, if any.

2. What Does OSHC Cover? Basic and Extras

OSHC plans are typically divided into two types:

Basic/Standard OSHC

Covers the minimum requirements under the OSHC Deed, including:

• 85% of the Medicare Benefits Schedule (MBS) fee for GP and specialist visits
• Hospital treatment
• Surgery
• X-rays and blood tests
• Emergency ambulance services
• Prescription medicine benefits (annual limits apply)

Extras/Additional Cover (Optional)

Covers services not included in basic OSHC:

• Dental
• Optical
• Physiotherapy
• Psychology
• Counselling
• Chiropractic
• Repatriation

Tip

If you have ongoing health needs such as dental, physio, or optical care, consider a plan offering Extras Cover.

Example

A student who requires physiotherapy after a sports injury can reduce out-of-pocket expenses with an Extras policy.

Understanding Gap Fees

A gap fee is the difference between the doctor’s fee and the amount covered by your OSHC provider.

Tip

Choose clinics listed as “direct billing” by your OSHC provider. These clinics bill the insurer directly, reducing or removing the need for upfront payments.

Example

A GP visit costs $75. At a direct-billing clinic, the insurer pays the eligible amount directly, and the student pays minimal or no gap.

Waiting Periods

Waiting periods are the time you must wait after purchasing OSHC before you can claim certain services, especially for pre-existing conditions.

2026 Update

From 1 January 2026, waiting periods for pregnancy-related treatment will begin to be removed for OSHC policies of two years or more.

3. Choosing an OSHC Provider: Options and Comparison

Only five insurers are authorised under the Australian Government’s OSHC Deed to provide OSHC to international students. These providers meet strict standards for minimum coverage, claims handling, and transparency.

Approved OSHC Providers:

• Allianz Care Australia
• Bupa Australia
• CBHS International Health
• Medibank/ahm
• nib OSHC

Students may choose any approved provider; universities cannot require you to use a specific insurer.

What to Compare

• Coverage inclusions
• Direct-billing clinic network
• Prescription medicine limits
• Claim processing and app usability
• Waiting periods
• Extras options
• Customer support

OSHC Provider Comparison Table (High-Level Overview)

Tip

Select an insurer with a strong direct-billing network near your university or accommodation to minimise gap fees and improve convenience.

4. How to Use OSHC in Australia?

For emergencies

• Call 000
• Attend the nearest emergency department
• OSHC covers emergency ambulance services

For regular medical care

• Review your OSHC policy
• Contact the clinic to confirm consultation fees
• Use your insurer’s app to check coverage
• Attend the appointment
• Submit a claim or use direct billing

Tip

Download your insurer’s mobile app for quick access to claims, coverage details, digital membership cards, and clinic locations.

Example

A student submits a claim through the insurer’s mobile app and receives reimbursement within a few business days.

5. Exemptions, Complaints, and Support

Students from Norway, Sweden, and Belgium may be exempt from OSHC due to reciprocal health agreements.

If you face issues with your OSHC:

• Contact your insurer first
• If unresolved, reach out to the Private Health Insurance Ombudsman
• For institution-related issues, contact the National Student Ombudsman
• Interpreter assistance is available via 131 450

6. How Aussizz Group Supports Your Study Journey

Aussizz Group helps students with:

• Comparing approved OSHC providers
• Ensuring OSHC meets visa and course requirements
• Renewing and switching policies
• Offering guidance for dependants’ OSHC
• Supporting the full student visa and migration journey

Tip

Share your COE and study duration with your Aussizz counsellor so we can match you with the most suitable OSHC policy.

Frequently Asked Questions (FAQs): OSHC for International Students

Q1. Is OSHC mandatory for the Student Visa (Subclass 500)?

Yes. All international students and their dependants must hold OSHC for the full duration of their stay.

Q2. When should I purchase OSHC?

OSHC must be purchased before lodging your visa application and must begin before you arrive in Australia.

Q3. Can I choose any OSHC provider?

Yes. You may choose any of the five government-approved OSHC insurers. Universities cannot force you to buy OSHC from a specific provider.

Q4. What is not covered under basic OSHC?

Basic OSHC does not cover:

• Dental
• Optical
• Physiotherapy
• Counselling
• Psychology
• Chiropractic

These require Extras Cover.

Q5. Does OSHC cover emergency treatment?

Yes. Emergency ambulance services and medically necessary emergency treatment are covered under OSHC.

Q6. Can I switch OSHC providers during my studies?

Yes, as long as there is no gap in your coverage. Aussizz Group can assist with switching providers.

Q7. Does OSHC cover pregnancy-related care?

Yes, but waiting periods apply. From 1 January 2026, waiting periods will begin being removed for policies of two years or more.

Q8. What should I do if my OSHC claim is rejected?

Ask the insurer to review the decision. If unresolved, you may escalate it to the Private Health Insurance Ombudsman.

Q9. Do dependants need OSHC?

Yes. All dependants included in the visa application must have OSHC unless exempt due to a reciprocal healthcare agreement.

Q10. What happens if my OSHC expires while I am still in Australia?

Allowing OSHC to lapse can result in a visa breach. Always renew your OSHC before it expires.

Conclusion: Stay Protected While You Build Your Future in Australia

Your study journey in Australia offers incredible opportunities for growth, learning, and new experiences. OSHC ensures you remain protected, compliant, and supported throughout your stay.

Whether you need help choosing the right OSHC, preparing your student visa, or exploring long-term migration pathways, Aussizz Group is here to guide you with confidence and care. For any queries, contact Aussizz Group today and receive personalised support from our expert team.