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Learn about Overseas Student Healthcare Cover (OSHC)

01.

Choosing the right plan

All information you need to Choose the right plan for you

02.

Compare OSHC providers

We provide comprehensive comparison of different insurance products to help you decide.

03.

Understand your Cover

All the information around your cover, waiting periods and exclusions.

Testimonials

What Our Clients Say

★★★★★

OSHC Explained made it so easy for me to find the right insurance plan. They provided detailed explanations and helped me understand the coverage options.

Summit KumarInternational Student

★★★★★

I highly recommend OSHC Explained to all international students in Australia. They really simplify the insurance selection process and offer the best deals.

Carolina SmithInternational Student

Why Choose Us

Our Unique Value Proposition

Why Choose OSHC Explained

Comprehensive and Detailed Information

Simplified Insurance Selection Process

Best Deals and Coverage Options

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Let OSHC Explained be your trusted companion throughout your study journey.

FAQs

What is Overseas Student Health Cover (OSHC)?

Overseas Student Health Cover (OSHC) is an insurance policy tailored for international students in Australia. It covers various healthcare needs, including medical and hospital expenses, aligning with Australian visa mandates.

Is OSHC Mandatory for International Students?

Yes, Overseas Student Health Cover is obligatory for international students on an Australian student visa. It ensures healthcare access and fulfills visa stipulations, safeguarding against unforeseen medical costs.

Can I Change My OSHC Provider?

International students may switch their OSHC provider, ensuring uninterrupted coverage. It is vital to compare policy features, consider waiting periods, and evaluate benefits prior to transitioning.

Who Can Be Included in OSHC?

OSHC can extend to dependents of the international student, like a spouse or children, under the same student visa. Coverage specifications may differ across providers.

Duration of OSHC Requirement?

OSHC must be maintained for the entire duration of your study and any additional time spent in Australia post-study. Visa cancellation may occur if OSHC lapses.

What Does OSHC Include?

OSHC generally includes doctor visits, hospitalization, surgeries, prescription medicines, and emergency ambulance services. It might cover allied health services, varying with the policy.

Can Dependents Buy Individual OSHC Policies?

Dependents on a student visa can purchase separate policies. In cases of dependency under one student visa, a couple’s policy is advisable, albeit more costly due to higher claim rates for couples, particularly regarding pregnancies. If you a couple purchases 2 seperate policies they will not be covered for anything pregnancy realted.

Insurance for Bridging Visa Holders?

OSHC is suitable for those on a bridging visa following a student visa. For uncertain durations, a one-year policy is recommended, with cancellations and refunds possible upon new visa issuance.

Conditions for OSHC Cancellation and Refund

OSHC cancellation and refund are permissible under specific circumstances, such as non-commencement of studies in Australia, visa issues, or obtaining permanent residency. Direct insurer communication is necessary for cancellation outside these conditions.

Switching OSHC Providers?

To switch OSHC providers, buy a new policy purchase and cancel the current policy. Refunds from the existing insurer are typically proportional to the unused coverage period.