Planning to study in Australia in 2025? Then health insurance is something you must not overlook. Health care in Australia can be expensive, and as an international student, you’re required to have Overseas Student Health Cover (OSHC) for the duration of your stay. But don’t worry — getting the right health insurance is easier than you think. In this blog, we’ll guide you through the essentials of OSHC, how to choose a provider, and how IStudentPlus can support you along the way.
What is OSHC (Overseas Student Health Cover)?
OSHC is a type of health insurance that international students must have while studying in Australia. It helps cover the cost of basic medical care, hospital visits, ambulance services, and some prescription medicines. Without it, you may have to pay high fees for health services out of your own pocket.
Why Health Insurance is Mandatory for International Students
The Australian Government requires all student visa holders to have OSHC to ensure:
- You have access to essential healthcare services
- You are financially protected in case of illness or accident
- You meet your visa conditions and avoid potential visa issues
If you don’t have OSHC when you arrive or if it lapses during your stay, it can impact your visa status.
How to Choose an OSHC Provider in 2025
There are several OSHC providers approved by the Department of Home Affairs, including:
✅ Bupa Australia
✅ Medibank Private
✅ nib OSHC
✅ Allianz Care Australia
✅ ahm OSHC
When comparing providers, consider:
- Monthly or annual costs
- Coverage for extras (e.g., dental, optical)
- Whether your university recommends or partners with a provider
- Access to online services or multilingual support
What’s Covered and What’s Not
Usually covered:
- Doctor (GP) visits
- Hospital treatment and accommodation
- Emergency ambulance services
- Select prescription medications
Not usually covered:
- Dental, optical, or physiotherapy (unless you add extras)
- Pre-existing conditions (some have waiting periods)
- Elective or cosmetic treatments
👉 Tip: Always read your policy details carefully so you know what to expect.
How to Apply for OSHC
Applying is simple and can be done in three main ways:
- Through your education agent or institution
– Most universities help organize OSHC with a preferred provider.
- Through a student agency like IStudentPlus
– We compare plans, explain your options, and apply on your behalf.
- Directly through the OSHC provider’s website
– You can choose your plan and pay online.
Make sure your OSHC starts the day you arrive in Australia and covers your entire student visa duration.
How IStudentPlus Can Help You Get Covered
At IStudentPlus, we simplify the OSHC process with:
- ✅ Personalized plan comparison to match your budget and needs
- ✅ Application assistance so you don’t miss any details
- ✅ Help with extending or switching providers
- ✅ Reminders and support if your OSHC is about to expire
- ✅ Guidance on claiming reimbursements when you use medical services
With our help, you’ll get the right cover without the confusion!
FAQs
Q: Is OSHC required before applying for a student visa?
A: Yes. You must provide proof of OSHC when lodging your visa application.
Q: Can I use other types of travel insurance instead?
A: No. Only OSHC from an approved provider is accepted for student visas.
Q: How much does OSHC cost in 2025?
A: Prices vary, but the average annual cost ranges from AUD $500 to $700, depending on the provider and level of cover.
Q: Can I switch OSHC providers while in Australia?
A: Yes, you can. IStudentPlus can help you compare plans and make the switch.
