Overseas Student Health Cover (OSHC)
“To keep the body in good health is a duty…otherwise, we shall not be able to keep the mind strong and clear.” – Buddha
To excel in your courses studying abroad you must make sure that your health is well taken care of. Hence, it becomes a necessity for every international student to secure their health insurance by being aware of the Overseas Student Health Cover policies.
An Overseas Student Health Cover (OSHC), as the name suggests, applies to international students who are planning to study overseas. With access to exclusive OSHC benefits, you can be at peace knowing that your health insurance is fully covered.
OSHC benefits primarily cover your hospital treatment for accidents and emergencies. Under worst-case scenarios, an Overseas Student Health Cover also covers hospital stays and evacuation costs.
Why obtain an Overseas Student Health Cover?
Overseas Student Health Cover (OSHC) acts as health insurance that provides and contributes towards the costs of the hospital treatment, medical service, prescription medicines and emergency ambulance assistance while you study abroad.
As a part of your Student Visa requirement, all international students are required to have an OSHC for the duration of their study before applying for a Student Visa. You will also need to renew your OSHC policy if your overseas study has been extended.
Overseas Student Health Cover in Australia
Overseas Student Health Cover (OSHC) is necessary for any international student in Australia. This health cover is inclusive of visits to the doctor, hospital treatment, ambulance assistance and limited pharmaceuticals costs (medicines).
OSHC Australia can provide a range of different Health insurance benefits. These range from the basic element which covers the compulsory minimum services, to comprehensive results and extra services as specified under the particular policy.
The Department of Home Affairs expects all international students to maintain OSHC for the duration of their stay in Australia.
Overseas Student Health Cover in New Zealand
Health Insurance for International students in New Zealand is an essential requirement. Healthcare system in New Zealand is similar to the UK, with a public healthcare system.
Students will also be required to purchase insurance that grants them access to the public component of the healthcare system. Student health insurance is strongly recommended by the New Zealand government to avoid any issues such as sickness, travel delays, injury etc.
Furthermore, the New Zealand Health Insurance has a separate section called Accident Compensation Corporation (ACC), that covers the payments made for health concerns caused by accidents.
Overseas Student Health Cover in the UK
The International Student Health Insurance in the UK, commonly known as the National Health Service (NHS) has its own set of policies and benefits.
A student with a tier 4 student visa, who is planning to study for six months or longer has access to the NHS. With the NHS, the student will receive the same benefits as UK citizens. Some treatments like GP (General Practitioner) emergency treatment, compulsory psychiatric treatment, and treatment of certain communicable diseases are provided at no cost.
Overseas Student Health Cover in the USA
International student health insurance in the USA not only protects illness and accident expenses but also helps in the reduction of the treatment amount.
For all international students in the USA, health insurance is mandatory. Furthermore, before purchasing Health Insurance, it is important to check with the University and make sure that there aren’t any specific insurance requirements that need to be looked into.
Health Cover for international students studying in the U.S. is available only for the students on F1 and J1 visa requirements.
F1: F1 visa is a non-immigrant visa given to most international students who want to study in the USA.
J1: J1 is a non-immigrant visa category for an individual approved to participate in work-and study-based exchange visitor programs.
Overseas Student Health Cover in Canada
It’s mandatory for every international student studying or willing to study in Canada to possess a Student Health Insurance for their personal benefits. Like the other countries, Canada also has its health insurance Medical Coverage.
The International Student Health Insurance in Canada varies from place to place. The students are requested to arrange for private health insurance coverage if they are a part of those places where the provincial health cover plans are not covered.
The Provincial Health care system in Canada covers basic, provincial and emergency services as well. Also, many medical services are not covered by the Canadian provincial health care system. Services include prescription medications, some diagnostic testing services, dental and vision care.
In addition to that, services such as hospitalization are partly covered by the provincial health care system.
Get health insurance through our partners
Purchasing an Overseas Student Health Cover (OSHC) online is a simple and easy process. Additionally, to help with the intricacies that may or may not occur during the process, our expert counsellors are always available to guide students with the process of obtaining OSHC.
Given below are our various partners who assist students in purchasing their Health insurance.
Allianz Health Insurance for International Students
Allianz Worldwide Partners is a prominent market leader in the Overseas Student Health Cover, with a strong reputation for delivering innovative solutions. They are the largest OSHC provider in Australia.
Every year, Allianz International Student Health Insurance manages over 200,000 OSHC memberships for international students and processes more than 500,000 OSHC claims.
Services, such as doctor visits, hospital, emergency ambulance, prescription medicine, Pathology, Radiology, Surgically implanted prostheses are general health services that are covered by OSHC.
Allianz Health Insurance for International Students offers support to the AECC students in its duty of care, by offering Essentials package for all new International Students at no additional cost for the duration of the policy.
Allianz International Student Health Insurance service also allows International Students to speak with a qualified doctor 24/7 via phone or video call for free. It provides access to the largest direct billing network for international students with 900+ providers including GPs, Pathology, Radiology, Public Hospitals and Private Hospitals.
BUPA Health Insurance
Bupa Health Insurance is a well-known agency that provides outstanding value health insurance in Australia. The Bupa Health Insurance covers 100% of Medicare Benefits Schedules (MBS) expenses for any outpatient services such as GPs, medical specialists, x-rays, etc for all international students. They have developed a strong network of Direct-Bill doctors who will not charge any fee to Bupa OSHC students.
Bupa Student Health Insurance Australia provides a 24 hours student advice line with access to consultants who speak in 180 languages and assist with a range of emergencies, medical or otherwise.
Bupa offers students access to use the NHDS (National Home Doctor Service). If a student needs an urgent consultation, they can simply call the National Home Doctor Service 13 SICK (7425) and arrange for a doctor to visit their home.
Online access for International students is also available, where they can access their personal OSHC membership via smartphone or online, and submit claims with My Bupa.
NIB Overseas Student Health Cover
NIB International health Insurance has over 60 years of expertise in providing health coverage. The NIB Overseas Student Health Cover makes the student feel safe and secure while studying overseas, by covering all their unexpected health needs.
It covers all expenses on medical and hospital treatment if a student gets sick or meets with an accident while studying in Australia. It’s also inclusive of emergency ambulance transport services in Australia.
Services such as MRI scans, doctor visits, Prosthesis, prescription medication, and emergency ambulance are some of the in-hospital and out-hospital medical services covered by OSHC.
NIB Overseas Student Health Cover offers online services which make it easy for students to manage and access their health cover any time, anywhere.
In case of an emergency, students can call Healthdirect on 1800 022 222 for 24-hour advice and information from a nurse. To find a provider in the student’s locality or area, NIB provides a network of preferred GP’s and specialists.
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