Australia is one of the most sought-after destinations for international students. With world-class education, vibrant cities, and a high standard of living, it attracts thousands of students each year. However, studying abroad comes with its set of responsibilities—one of which is health insurance. If you’re planning to study in Australia, Overseas Student Health Cover (OSHC) is not just a recommendation; it’s a requirement. At Asquare Migration, we’re committed to guiding international students through every step of their migration journey, including understanding and securing the right OSHC.

What Is OSHC?

Overseas Student Health Cover (OSHC) is a type of health insurance that international students must have to meet visa requirements for studying in Australia. The Australian Government mandates this cover to ensure students can access the public healthcare system (Medicare) and receive necessary medical treatments without the stress of high out-of-pocket costs.

This insurance helps cover:

• Doctor visits
• Hospital treatment
• Limited pharmaceuticals
• Ambulance services
• Emergency care

Some policies may also provide extras like dental or optical cover, though these typically require an upgrade or a separate policy.

Why Is OSHC Mandatory?

The primary reason OSHC is compulsory is to protect international students from the potentially high cost of healthcare in Australia. Unlike citizens and permanent residents, overseas students do not have access to Medicare, Australia’s public healthcare system. OSHC ensures students are not left vulnerable during their stay and that the Australian health infrastructure is not overly burdened.

Visa Requirement

One of the most crucial aspects of OSHC is its link to the Student Visa (subclass 500). To be granted this visa, students must show proof of appropriate health cover for the duration of their stay. Without OSHC, your visa application could be delayed or even denied.

What Does OSHC Cover?

The scope of coverage can vary between providers, but most standard OSHC policies include:

• GP (general practitioner) visits
• Hospital treatment in public or private hospitals
• Medications prescribed by your doctor (limited)
• Emergency ambulance transportation
• Surgical procedures

It’s important to note that OSHC generally does not cover:

• Dental care
• Optical services (like glasses or contact lenses)
• Physiotherapy
• Over-the-counter medications

For these, students may choose extras cover or upgrade their policies through additional private insurance.

How Much Does OSHC Cost?

The cost of OSHC depends on:

• The length of your visa/stay in Australia
• The type of cover (single, couple, or family)
• The provider and level of policy

As a general guide:

• Single cover: For one student – starts at approx. AUD 500/year
• Couple cover: Student and partner – from AUD 2,500/year
• Family cover: Student, partner, and children – can range from AUD 3,000 to AUD 5,000/year

How to Choose the Right OSHC Policy

Selecting the right OSHC policy can be daunting, especially for first-time students. Here are key factors to consider:

1. Coverage and Benefits

Ensure the policy covers essential services and offers additional benefits that suit your needs. Some plans may include extras like telehealth, mental health support, or multilingual services.

2. Cost-Effectiveness

Cheapest is not always the best. Compare what each policy includes vs. the premium. A slightly higher premium may save you significantly on out-of-pocket medical expenses.

3. Provider Network

Check whether the insurer has partnerships with local clinics and hospitals, especially near your institution or residence.

4. Customer Support

International students often need guidance navigating a new healthcare system. Opt for a provider with 24/7 support, multilingual services, and a user-friendly mobile app.

How Asquare Migration Can Help

At Asquare Migration, we don’t just help with visas—we are your partners throughout your educational journey in Australia. We offer personalized OSHC advice based on your:

• Budget
• Duration of stay
• Family status (single, couple, or dependent children)
• University/TAFE location

Our Services Include:

• Comparing policies from all major providers
• Customized OSHC quotes
• Visa-compliant certificates for your application
• Ongoing support if you need to extend or change your cover

We streamline the entire process, saving you time, money, and stress.

Common Questions About OSHC

Q1: Can I switch OSHC providers after arriving in Australia?

Yes, you can switch providers at any time, even during your policy term. However, check for cancellation fees or notice periods before making the change.

Q2: What happens if I let my OSHC lapse?

Letting your OSHC expire or become invalid can affect your visa status. The Department of Home Affairs requires continuous OSHC coverage, so always ensure it is up-to-date.

Q3: Is OSHC different from travel insurance?

Yes. OSHC covers health needs during your stay, while travel insurance covers trip cancellations, lost luggage, or non-medical emergencies. Travel insurance is optional; OSHC is mandatory.

Q4: What if I have pre-existing medical conditions?

Most OSHC providers cover pre-existing conditions after a 12-month waiting period. You’ll need to declare these when applying for your policy.

Tips for Managing Your Health in Australia

1. Visit a GP first – For most health issues, you’ll need a referral from a general practitioner (GP) before visiting a specialist.
2. Use telehealth services – Some insurers offer video consultations which are convenient and sometimes more affordable.
3. Know your rights – As a consumer, you have rights under Australian law. Providers must clearly disclose inclusions, exclusions, and any waiting periods.

Final Thoughts

Your health is your greatest asset—especially when studying far from home. OSHC is not just a visa formality; it’s a safeguard for your wellbeing. At Asquare Migration, we understand how critical it is to get the right advice. We simplify the process so you can focus on what truly matters: your studies and your future.

Whether you’re applying for your first student visa or renewing your policy, we’re here to assist you every step of the way. Let Asquare Migration take the stress out of OSHC and help you start your Australian education journey with confidence.