Affordable Health Insurance for International Students (OSHC)
Are you an international student studying in Australia? Keep in mind that the Australian government requires proof of student health insurance as part of their visa conditions. A good student health insurance plan can protect you from unexpected medical bills by covering costs like doctor visits, hospital stays, prescribed medications, and even surgeries.
Buying health insurance in your destination country can often mean high premiums. Opting for a trusted plan from India could help you save money while still offering strong coverage.
If you’re headed overseas for education, securing health insurance beforehand can help avoid financial stress later.
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Studying abroad is exciting—but medical emergencies can turn costly without the right coverage. To stay financially and mentally secure, it’s essential to have a health insurance plan in place. Here are two main types you should know about:
Overseas Student Health Cover (OSHC)
OSHC is specifically designed for international students. It provides broad protection including pre- and post-hospitalisation care, prescription medication, and hospital treatments. Some universities and visa guidelines even make this cover mandatory. It helps students get timely medical attention without worrying about costs, giving both them and their families peace of mind.
Overseas Visitor Health Cover (OVHC)
OVHC caters to visitors in Australia who aren’t eligible for Medicare benefits. Coverage, premiums, and conditions vary across different OVHC plans, but most will include hospital care and part of the doctor’s fees. For extra services like dental, optical, or physiotherapy, you can add a General Treatment Cover.
What are the key documents required for a student visa?
How long does the visa processing take?
Does PFEC provide assistance with visa interviews?
Can I apply for a visa extension after my studies?
First and foremost, it’s a legal requirement. If you're coming to Australia on a student visa, the Department of Home Affairs mandates that you have an active Overseas Student Health Cover (OSHC) during your stay.
Beyond just meeting visa conditions, OSHC provides critical financial protection. It helps cover a wide range of medical expenses, including hospital admissions, surgeries, doctor consultations, and prescription medications—making sure you don’t have to bear heavy healthcare costs out of pocket.
Routine checkups and preventive care are important for staying healthy while abroad. With OSHC, you can visit doctors, get lab tests done, and handle unexpected medical needs without worry.
If you're managing an ongoing medical condition, OSHC can be especially helpful. Some plans include coverage for pre-existing conditions after a set waiting period, ensuring you continue to receive necessary care.
Medical emergencies, especially due to accidents, can lead to expensive treatments. OSHC includes accident coverage so you can access urgent care without delay.
You must hold a valid student visa for the duration of your course abroad.
You need an offer or admission letter for a full-time course from a recognized university.
Your health insurance policy must cover the entire length of your stay in the host country.
Insurance providers may have specific age limits—you’ll need to meet those to be eligible.
If you’re traveling with a partner or family, they’ll also need appropriate insurance coverage.