Overseas Student Health Cover


All international students must obtain Overseas Student Health Cover - OSHC. Effective 29 September 2015, all Brunei government-sponsored students and loan recipients from 2016 onwards are required to pay for their own Overseas Student Health Coverage - OSHC. A student may either purchase the health cover through the educational institution or by making an online purchase  on the OSHC provider' website..

The OSHC is designed to assist international students meet the costs of medical and hospital care that they may need while in Australia. OSHC also pay limited benefits for pharmaceuticals and ambulance services.Students are required by the Australian government to purchase their OSHC

  • General practitioner medical services
  • Medical services provided in hospital
  • Prescription medicines
  • Surgically implanted prostheses
  • Ambulance services

EAUC encourages students to purchase a policy that covers and provides the following benefits.

  • Healthcare,
  • Travel, and
  • Death and Disablement.

In Australia, most if not all insurance companies basically there are three (3) types of OSHC provided by the providers namely,

  • Single Cover
  • Couple Cover
  • Family Cover

@ Updated 29 March 2017

The coverage purchase will depends on whether the student is still single, married or has a family. Please purchase a policy that isappropriate to your needs to avoid future insurance.

Once the OSHC is purchased, the provider will issue a membership card or policy number. Students are advised to keep these in-hand as you will need to present this to your medical practitioner each time you seek medical attention. Students are advised to obtain their details from their university and to share a copy of the membership policy or card with the EAUC.

Students are advised to get health coverage for the entire duration of their scholarship stay or visa grant. Additionally, a student may also need to pay for additional coverage if a program extension is required.

However in the event that the student need to cut short his / her studies, then the student may contact the OSHC provider for a reimbursement.

Students may need to do an in-depth research into what the different OSHC providers offers and what services are not covered. In general, for example some services are not covered such as:

  • Physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services.
  • Medications, drugs or other treatments not prescribed by a doctor or not included in the Pharmaceutical Benefits Schedule.
  • Costs associated with dental treatment, unless the services provided meet the requirements of the Medicare Benefits Schedule.
  • Optical charges.
  • Co-payment and/or gap payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee.
  • Service fees charged by a doctor or hospital which are not included in the benefits covered under your policy.

Important Links

For more information, please refer to www.oshcworldcare.com.au .