Medibank Comprehensive OSHC

Medibank are the preferred provider of OSHC for international students at your education provider to meet the health insurance requirements of your student visa. It could help reduce your hospital and medical costs and provide extra benefits compared to Medibank Essentials OSHC.

Medibank OSHC Comprehensive

9 reasons to choose Medibank OSHC Comprehensive

How to join

The simplest way to purchase this cover is to tick ‘Yes’ to the recommended OSHC option when you accept your education provider's offer of study. The education provider will arrange your visa length cover and your policy certificate will be emailed to you.

In your offer letter, the Medibank OSHC premium is calculated according to your program duration and visa length.

To arrange your OSHC, you can pay this OSHC amount together with your education provider course deposit when you accept your offer of study. The education provider can accept your OSHC payment and arrange on your behalf.

 

What services and treatments are covered?

Comprehensive OSHC Cover Summary

This cover summary is also available in the following languages:

Manage your health cover with the Medibank OSHC App

Designed for international students, the Medibank OSHC app makes managing your Medibank membership easy. It only takes two minutes to sign up and get started.

Medibank offers more than Overseas Student Health Cover

 

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Cover for your entire Australian journey, wherever it leads.

If your visa status changes (for example, you are granted permanent residency or a 485 Temporary Graduate visa), Medibank has a range of health insurance covers that can meet your new visa requirements or residence status.

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Need something extra from your health insurance?

In Australia, some health services – like dental, optical and physio services – aren’t covered by your OSHC. Eligible extras cover can help you keep on top of your health by lowering the out-of-pocket cost of these services. You can purchase Medibank extras policy on top of your existing Medibank OSHC. 6

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Your family are our family.

Medibank also offers Overseas Visitor Health Cover for short-term stays and tourist visas. Friends and family can enjoy visiting you in Australia with the peace of mind they can get help towards the cost of medical treatments if they have an accident or get sick.

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Special offer on extras cover for OSHC members.

Eligible OSHC members that join and maintain eligible Medibank extras cover can get 6 weeks free in their second month, plus 2 more weeks free in the second year. Plus, we'll waive any 2 & 6 month waiting periods.* Contact Medibank to take up this offer!

Note: Some benefits included in Extras products may also be included in your OSHC product (for example, Ambulance cover or non-PBS pharmaceuticals). Bear this in mind when buying Extras.

1 Medibank may pay benefits towards video/audio doctor consultations. Waiting times may vary depending on doctor availability. Online Doctor is offered on a trial basis and may be discontinued at any time. Online Doctor is provided through the Medibank OSHC app, which is currently not available to dependants (partners and children) on a policy; appointments for dependants on a policy must be booked by the primary policyholder, who will need to obtain consent to make the booking. Some referred services may involve out of pocket costs and waiting periods may apply.

2 Based on Medibank's assessment of mental health coverage in OSHC products as at 1 July 2025.

3 Direct billing health practitioners (e.g., general practitioners, pathology & radiology providers) are providers that have an agreement with Medibank OSHC to send the bill directly to Medibank. Out-of-pocket expenses may apply depending on whether your doctor charges more than the benefit payable under Medibank OSHC. Network current as of 2025 and subject to change.

4 Access to offers and discounts may vary from time to time and subject to change at any time. For Medibank OSHC members only. T&Cs apply. Access via the Medibank OSHC app to find out more.

5 For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way.

6 Some benefits included in Extras products may also be included in your OSHC product (for example, Ambulance cover or non-PBS pharmaceuticals). Bear this in mind when buying Extras cover. You can contact Medibank to learn more.

* For existing members on Medibank OSHC, ahm OSHC and Medibank Overseas Workers Health Cover who have not held any Medibank health cover that includes extras cover in the last 120 days, who join and maintain eligible Medibank extras cover from 1 May 2025. Must quote promo code EXTRAS8COVER and set up direct debit when joining. Eligible extras cover means Medibank standalone extras policies, excluding Healthy Living Extras. Offer does not apply to combined Hospital & Extras covers, Hospital ONLY cover, Accident ONLY cover, Ambulance ONLY cover, Overseas Visitors Cover (OVC), Working Visa Health Insurance covers, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available to Medibank employees. Not available with any other offers except the Overseas Retention offer, Students to Workers One Month Free offer and Graduate Worker offer. Medibank reserves the right to amend these Terms and Conditions from time to time.