Canstar caught up with nib about their award-winning Overseas Student Health Cover (OSHC) policies in 2017.
This year, Canstar congratulates nib for winning the 2017 Canstar Overseas Student Health Cover Award.
We caught up with John-Paul Kelly, General Manager International Visitors at nib about nib’s win and what students need to know about OSHC insurance.
Compare OSHC Student Health Insurance
It is a Department of Immigration requirement to hold OSHC; therefore, students must have adequate health insurance while in Australia.
When applying through nib, an OSHC Confirmation Certificates can be received in minutes from applying. However, the application can be received up to 2 years in advance of the OSHC policy becoming active.
On average, we see students organising their health insurance 2 to 3 months [before] arriving [in Australia], depending on their country of origin.
All students are required to pay for their student health cover in full in advance for the length of their Visa. The majority of payments (approximately 85%) are made via credit card transaction or through a direct deposit process (direct debit).
nib receives multiple queries from customers in respect of extending health cover to match an extension of their Visa. As it is a Department of Immigration requirement to hold OSHC, the student must extend their insurance with the provider before being granted the Visa extension.
Extending health cover to match an extension of a Visa can be a regular occurrence, particularly for students where they may take initial studies (e.g. English studies) and then progress to an undergraduate course followed by a post graduate course.
GP consultations are the primary claims, followed by Pathology [e.g. blood tests, X-rays] and Emergency.
The best way to organise is through an approved OSHC provider, e.g. nib. This can occur online, via our call centre, in person, or through one of our many relationships with Education Agents.
Canstar congratulates nib on its outstanding achievement. Further information on the Award, methodology and star ratings results can be accessed here:
Overseas Student Health Cover Star Ratings – Canstar
You can compare nib OSHC policies on our website. Please see the comparison table below which displays a snapshot of the current products available. Please note that this table has been formulated based on a 1 year study visa in NSW :
The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. Canstar is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement (PDS) to determine all the current options and inclusions for the product you are considering.
Compare other OSHC policies here:
Canstar is an information provider and in giving you product information Canstar is not making any suggestion or recommendation about a particular insurance product. If you decide to apply for overseas student health cover, you will deal directly with an insurance provider, and not with Canstar. Rates and product information should be confirmed with the relevant insurance provider. For more information, read our detailed disclosure, important notes and additional information.The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. Canstar is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.
The Star Ratings in this table were awarded in April 2022 and data is as at that date, updated from time to time to reflect product changes notified to us by product issuers.
Any advice provided on this website is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. Consider the Product Disclosure Statement and Target Market Determination before making a purchase decision. Canstar provides an information service. It is not a credit provider, and in giving you information about credit products Canstar is not making any suggestion or recommendation to you about a particular credit product. Research provided by Canstar Research AFSL and Australian Credit Licence No. 437917. You must not reproduce, transmit, disseminate, sell, or publish information on this website without prior written permission from Canstar.