International students studying in Australia may need OSHC, so it’s vital they know what they’re covered for. Here’s Canstar’s guide to what OSHC covers.
While specific levels of cover may vary between the five Australian health funds currently authorised to provide OSHC (Allianz Global Assistance, Medibank, nib, ahm, and Bupa), you can treat this guide as a very broad overview of what you can generally expect to be covered for under your OSHC policy.
The Department of Health’s OSHC section states that all OSHC products must provide cover for:
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Depending on the product in question, and the level of cover arranged for, your OSHC policy may also provide cover for general treatment (also known as ancillary/extras cover), which covers things like dental, optical, and physiotherapy.
However, beyond what’s listed above, what you will be covered for will vary depending on the health fund and OSHC product you take out. Additionally, see here for a list of things that OSHC does not cover.
You can search for OSHC using the Canstar comparison website. See below for a comparison of OSHC products for an overseas student studying on a 4-year study visa. Results are sorted by Canstar Star Rating (highest to lowest).
Compare other OSHC policy options for different student visas using the Canstar comparison website:
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It’s important to keep in mind that all five OSHC providers impose waiting periods for certain treatments:
These waiting periods are counted from the day you arrive in Australia on your student visa.
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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.