How does OSHC work for international students in Australia?

Overseas Student Health Cover (OSHC) for International Students

What is OSHC?

OSHC is mandatory health insurance for international students in Australia. It covers medical and hospital costs while you study. Your education provider will usually require you to have OSHC before you can enrol.

Who needs OSHC?

• International students on a student visa (subclass 500)
• Some other visa holders, depending on their visa conditions
• It's a visa requirement, not optional

What does OSHC cover?

• Out-of-hospital medical services (doctor visits, pathology, imaging)
• Hospital accommodation and treatment as a public patient
• Emergency dental care (limited)
• Prescription medications
• Mental health services

What OSHC does NOT cover

• Private hospital treatment (unless you choose private cover)
• Cosmetic procedures
• Ongoing dental work
• Physiotherapy or allied health (usually)
• Pregnancy and birth costs (in most cases)

Cost and providers

OSHC costs vary by provider and length of cover, typically $300–$600 per year. Approved providers include Bupa, Medibank, nib, and others. Your education provider will tell you which providers they accept.

How to enrol

• Your education provider usually arranges OSHC during enrolment
• You can choose your provider if your school offers options
• Cover usually starts when your visa is granted
• You'll receive an OSHC card to use at doctors and hospitals

Using your OSHC

• Show your OSHC card when visiting doctors or hospitals
• Public hospitals bulk-bill OSHC holders (no out-of-pocket cost)
• Private doctors may charge gaps you need to pay
• Keep receipts for claims if needed

Important tips

• OSHC is separate from Medicare—you cannot access Medicare as an international student
• Maintain continuous cover throughout your studies
• Notify your provider if you extend your course

For more information, visit the Department of Home Affairs or your education provider's international student support office.

This is general information only. Check official sources before acting.