Overseas Student Health Cover (OSHC)

For visa subclass 500. Planning to study in Australia or to continue your studies? Medibank’s Overseas Student Health Cover (OSHC) can meet your visa health insurance requirements and help with medical treatment if you have an accident or get sick.

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Join the largest and fastest growing OSHC insurer in Australia.
Medibank and ahm OSHC are helping protect the health of international students across the country.

Based on revenue data from ‘APRA Operations of Private Health Insurers Annual Report’ published December 2025. ahm OSHC is a business of Medibank.

Navigating a new healthcare system in a new country can be difficult.
We're here to help make it simple for you.

 

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Visa Compliant Cover

Medibank Overseas Student Health Cover meet the requirements set out by the Australian Government and are 100% compliant for applying for or renewing, a Student visa.
 

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24/7 Student Health and Support Line

Access a range of health support like a registered nurse, counselling services, emergency legal advice, travel document assistance, interpreter and more!

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Online Doctor

With Online Doctor, you can have an online consultation 24/7 with a qualified medical doctor through the OSHC app with no out of pocket costs.1 

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Unlimited Emergency Ambulance

No matter which Medibank Overseas Student Health Cover you choose, your cover includes unlimited emergency ambulance Australia-wide.2

Student Rewards Plus

With Student Rewards Plus, you gain access to exclusive discounts, ever changing special offers and support and information to help you save money, find work and enhance your skills and knowledge while studying in Australia. Access the program conveniently through the OSHC app.3

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We offer two overseas health products for students

Essentials OSHC

from
$79.10
/ month
$88.88 / year
inclusive of GST, where applicable

Cover that meets your student visa health insurance requirements (for all course types), while helping towards your hospital and medical needs. Purchase online quickly and easily.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Comprehensive
  • No excess
  • Accident and emergency department facility fees+

Medical

Pays benefits towards medical services in and out of hospital.

  • Inpatient medical services
  • General Practitioner (GP) consultations
  • Other out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number^

Pharmacy

Pays benefits towards the cost of eligible prescription medicines. You will be required to pay a contribution of $30 towards the cost of each eligible prescription medicine before we'll pay any benefits.

  • Annual limit of $500 per member (up to $1,000 per membership)#
  • Benefit amount of up to $70 per item

Ambulance

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

  • Unlimited emergency cover

Extras

  • None

View details

Comprehensive OSHC

This product is only available through selected universities and schools. Check with your institution to see if you are eligible for this cover.

Cover that meets your student visa health insurance requirements (for all course types), helps towards your hospital and medical costs, as well as providing added value above Essentials OSHC.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Comprehensive
  • No excess
  • Accident and emergency department facility fees+
  • Boarder fee benefits~

Medical

Pays benefits towards included medical services in and out of hospital.

  • Inpatient medical services
  • General Practitioner (GP) consultations
  • Other out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number^

Pharmacy

Pays benefits towards the cost of eligible prescription medicines. You will be required to pay a contribution of $30 towards the cost of each eligible prescription medicine before we'll pay any benefits.

  • Annual limit of $1,000 per member (up to $2,000 per membership)#
  • Benefit amount up to 100% of the item cost

Ambulance

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

  • Unlimited emergency cover

Extras

Benefits towards additional services such as private psychology services and medical repatriation.

  • Private psychology benefit
  • Repatriation benefit
  • Counselling/mental health social worker benefit

View details

*This price is just a guide only. If your course is more than 12 months long, please click View Details and proceed to click Join Now to get an accurate quote. The final price is subject to your required membership duration.

+A ‘facility fee’ is an amount that may be charged by private hospitals for attendance in their accident and emergency department. The fee may not include all medical services provided and out-of-pocket expenses may apply such as for x-rays, blood tests and any charges raised by the doctor above the benefit we pay.

~If anyone on your membership is admitted to hospital for a service Included under your cover and a partner, immediate family member, carer, or next of kin (referred to as a ‘boarder’) needs to stay in hospital with them, we’ll pay towards the cost of accommodation and meals raised by the hospital for that ‘boarder’. Up to $150 per admission.

^Services not provided by a doctor but are billed with an MBS item number. For example, eye checks and services related to chronic disease and mental health management plans

#Effective from 1 May 2023.

The Medibank OSHC App

Our app makes it easy to view your cover details, submit claims, access health advice support services, and find a health service provider.

Download on google play
Download on the app store

Want to know more? 

    Here are some things worth knowing

 

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Understand the Australian health system

 Find out more about the differences between private and public hospitals admissions within the Australian healthcare system.

Learn more
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Frequently asked questions


Find out more about things like waiting periods and pre-existing conditions or check our list of word definitions in the glossary.

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Ways to contact us


Need some help or have a question?  Find your preferred way to contact Medibank by phone, WeChat or request a call back option.

Contact us

Grab 8 weeks free with eligible Medibank extras.⁴

Don’t let the cost of dental, optical or physio services keep you from managing your day-to-day health. Join and maintain eligible Medibank extras cover and you’ll get 6 weeks free in your second month, plus 2 more weeks free in your second year. T&Cs apply.⁴

Plus, we'll waive any 2 & 6 month waiting periods.

Use promo code EXTRAS8COVER

Call 134 190 Learn more
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Things you should know: 

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; as a result, dependants are not eligible to access the Online Doctor service. Available to Medibank OSHC members 16 years or over, with no out of pocket costs for the consultation.

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

3 Student Rewards Plus is for Medibank OSHC members only. 

4 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. 

Weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 14 consecutive months to receive subsequent 2 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 2 weeks free will be applied at the next billing cycle after you have held eligible cover for 14 months. The initial 6 weeks free and/or the subsequent 2 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you've used any of your current limits (at that fund), that will count towards your annual limits with us. If you’ve reached your limits at your previous fund, you may not be able to claim straight away on extras.