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What’s Not Covered By Overseas Student Health Insurance?

What health-related things are not covered by OSHC insurance?

Overseas Student Health Cover (OSHC) will not cover everything that could happen to your health while you are in Australia.

What is not covered by OSHC?

There are several things that are not covered by OSHC, including some things that insurance companies are not allowed to cover, things not covered by Medicare, and some specialist treatments.

OSHC is not allowed to cover

Insurance companies are not allowed to cover some things under OSHC policies:

  • Treatment you arranged before coming to Australia
  • Treatment you need while you are travelling to or from Australia
  • Transportation of you or your children into or out of Australia
  • Treatment that is already paid for by a court order for compensation (also called “damages”)

Not covered by Medicare or OSHC

glasses are not covered by medicare or OSHC

Then there are some things are not covered by your OSHC because they are not covered by Medicare (the Australian public system), including:

  • Private patient hospital costs (e.g. surgery fees or accommodation)
  • Visiting a dentist and most dental examinations and treatment
  • Dentures
  • Glasses and contact lenses and other visits to the optometrist
  • Most physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry (foot care), or psychology services
  • Hearing aids and appliances
  • Acupuncture (unless it is treatment given by a doctor)
  • Home nursing
  • Long-term care (also called custodial care)
  • Medical and hospital costs while still overseas
  • Cosmetic surgery, and other medical and hospital services that are not necessary
  • Medical examinations for life insurance, superannuation, memberships, or getting a job

Specialist treatments not covered by OSHC

specialist treatments not covered by OSHC

In addition, insurance providers do not cover or pay for certain things such as:

  • Infertility treatments such as IVF
  • Extras services such as going to a dentist, physiotherapist, optometrist, or other medical and alternative treatment services
  • Services not covered by Medicare such as laser eye surgery, cosmetic surgery, or experimental surgery
  • Treatment outside of Australia
  • Non-essential hospital items such as buying food from the hospital cafeteria

You can still get cover for these things

So what if you need to get a new pair of glasses while you are in Australia, for example, or you want to visit the dentist or you need to get your wisdom teeth taken out? The good news is that you can still get health insurance to cover many of the things listed above!

You can buy a general health insurance (or extras health insurance) policy on top of your OSHC insurance policy. An extras health policy can cover you for medical expenses like a trip to the dentist, physiotherapist, or optometrist.

Different extras policies cover different things. You can compare extras health insurance and find a good value policy for you by using the CANSTAR website.

Compare Extras Health Insurance with Canstar

Compare OSHC student health policies

If you are looking for OSHC, find the insurance that provides outstanding value for international students. See the comparison table below for a snapshot of the current policies available to the market for a student with a 1 year study visa in NSW. Compare features and costs for OSHC student health insurance in Australia on the CANSTAR website:

Compare OSHC Student Health Cover with CANSTAR

Find out more about OSHC with our latest star ratings report:

OSHC Star Ratings - Canstar


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.

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 decided to apply for an insurance policy, you will deal directly with an insurance provider, and not with CANSTAR. Premiums, coverage, benefit limits, and product information should be confirmed with the relevant insurance provider. For more information, read our detailed disclosure and our Financial Services and Credit Guide.

Sponsored products are paid advertisements and do not include all providers. Canstar receives a fee for referring you to the advertiser. Canstar is not giving you advice in relation to sponsored products. See How We Get Paid for further information. If you decide to apply for health insurance, you will deal directly with an insurance provider, and not with CANSTAR.

Consider the provider’s detailed product and pricing information before making a decision to purchase a policy. The products displayed on this page do not include all providers and may not compare all features relevant to you. View the Canstar Overseas Student Health Cover Star Ratings Methodology and Report. The rating shown is only one factor to take into account when considering products.

For more information, read our detailed disclosure, important notes and additional information.

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