Overseas Student Health Cover (OSHC)

Your mandatory health insurance coverage while studying in Australia

What is OSHC?

Overseas Student Health Cover (OSHC) is mandatory health insurance for international students studying in Australia. It helps cover the cost of medical treatments and hospital care during your stay.

What does OSHC cover?

  • Doctor visits and specialist consultations
  • Hospital treatment and accommodation
  • Ambulance services in emergencies
  • Prescription medications (PBS listed)
  • Emergency dental services

Important: You must arrange OSHC before applying for your student visa, and maintain coverage for the entire duration of your stay in Australia.

Approved OSHC Providers

You can choose from the following approved OSHC providers:

Medibank Private (UNSW's preferred provider)

From AUD $650/year

UNSW's preferred provider offering special rates for UNSW students.

Learn More

Allianz Care Australia

From AUD $620/year

Comprehensive coverage with a wide network of healthcare providers.

Learn More

BUPA Australia

From AUD $640/year

Extensive hospital network and additional benefits for members.

Learn More

How to Apply for OSHC

1

Choose your provider

Select from the approved OSHC providers. UNSW recommends Medibank Private for streamlined processing.

2

Calculate your coverage period

Your OSHC must cover your entire stay in Australia, including any time before and after your course.

3

Purchase your policy

Complete the online application and payment through your chosen provider's website.

4

Receive your policy details

Save your policy number and details for your visa application and future reference.

Tip: Keep your OSHC card with you at all times in Australia. You'll need it when visiting doctors or hospitals.

Using Your OSHC in Australia

Finding a Doctor

  • Use your provider's website to find nearby doctors
  • Look for "bulk billing" doctors to minimize out-of-pocket costs
  • UNSW Health Service is available on campus

Making a Claim

  • Keep all receipts and documentation
  • Submit claims through your provider's app or website
  • Some providers offer direct billing at certain clinics

For medical emergencies in Australia, call 000 for an ambulance. Your OSHC covers emergency ambulance services.

Frequently Asked Questions

Do I need OSHC if I have insurance from my home country?

Yes, OSHC is mandatory for all international students, regardless of other insurance coverage you may have.

Can I change providers after arriving in Australia?

Yes, you can switch providers, but make sure there is no gap in your coverage when changing.

What if I extend my studies?

You must extend your OSHC to cover any additional time you'll be studying in Australia.