Health cover.OSHC.Overseas Student Health Cover. Mandatory, for your whole stay.
OSHC is not optional and not a formality. The student visa requires it for your entire stay, from an approved insurer, arranged before you lodge. Here is exactly how it works.
Not optional.Not a tick-box.
Some students treat OSHC as red tape, the cheapest policy that clears the visa. That is a mistake. It is the real health insurance that stands between you and large medical bills in a country where care is not free for you.
The rules are firm: you must hold OSHC from an approved insurer for your entire stay, and arrange it before you lodge. Beyond that, choosing cover that actually suits your needs is a decision worth getting right, not rushing.
What OSHC covers.
Tap a service to see how OSHC usually treats it: covered, limited, or generally excluded. Details vary by insurer and policy, so treat this as a guide.
Doctor visits
OSHC covers a portion of the standard fee for seeing a GP. Some clinics bill the insurer directly, others you claim back.
Single, couple or family.
OSHC comes in three shapes depending on who travels with you. Everyone on your visa needs to be covered, for the whole stay.
Single cover
Just you. The most common policy, for students travelling alone.
Couple cover
You and your partner on your visa. One policy covering you both.
Family cover
You, your partner and children. Needed when dependants are on your visa.
What cover, how long?
Tell us who travels with you and how long your course runs. We will show the policy type and how long your OSHC must cover. We do not quote prices, since they vary by insurer.
Mind the gaps.
Basic OSHC is solid, but it is not unlimited. Knowing where it stops helps you avoid a surprise bill or decide whether you want extra cover.
Dental and optical
Routine dental and glasses are generally not in basic OSHC. An extras policy can add them.
Waiting periods
Pre-existing conditions and pregnancy usually have a waiting period before you can claim.
Gap payments
OSHC often covers a portion of a fee, not all of it. You pay the difference, called the gap.
Extras cover
If you want dental, optical or physio, an upgraded or extras policy can be worth it.
Arrange it in four moves.
OSHC is quick to organise once you know the steps. Do it before you lodge, with the right cover and dates.
Pick your cover
Single, couple or family, to match who is on your visa.
Compare insurers
Choose an approved provider and a policy that suits you.
Set the dates
Cover your whole stay, starting before your course.
Buy before lodging
Hold the policy in hand when you lodge the visa.
We sort your cover.
The right cover type
We match single, couple or family OSHC to exactly who is on your visa, so no one is left out.
The right insurer
We compare approved providers and policies so you are not just buying the cheapest tick-box.
The right dates
We set cover that spans your whole stay, ready before you lodge, so your visa is not delayed.
One less thing to worry about
We fold OSHC into your overall plan and budget so it is handled, not forgotten at the last minute.
Tap to clear it up.
OSHC, asked.
Q1What is OSHC?
Q2Do I need OSHC for the student visa?
Q3How much does OSHC cost?
Q4What does OSHC cover?
Q5Does OSHC cover my family?
Q6When should I arrange OSHC?
Q7Does Mafit help with OSHC?
Covered,and lodged on time.
Tell us who is travelling and your course length. We will sort the right OSHC, from an approved insurer, ready before you lodge.