Overseas Student Health Coverage (OSHC):
As per the Department of Home Affairs, it is mandatory for all international students to have adequate health insurance that covers their entire stay in Australia. This requirement is fulfilled through Overseas Student Health Cover (OSHC) from an approved health insurance provider. International students must maintain Student Visa Condition 8501 during their stay.
Various health insurance providers offer different types of health coverage based on the specific needs of students. However, standard OSHC is required for the student visa. The cost of the insurance depends on the duration of the student’s course, the type of health cover, and the chosen health insurance provider.
At our organization, we help you choose the right policy at the best price. We have partnerships with well-known health insurance providers like BUPA, Medibank, AHM, NIB, and Allianz, giving international students the flexibility to select the health cover that suits them at a highly competitive price.
Overseas Visitor Health Coverage (OVHC):
International applicants planning to travel to or work in Australia must have appropriate health insurance to cover the duration of their stay. Overseas Visitor Health Cover (OVHC) is the category of health insurance that fulfills this requirement.
The OVHC policy covers various visa categories, including visitor visas (subclasses 300, 580, 590, 600, 601), bridging visas, working visas (subclasses 482, 485, 400, 401, 476, 491, 408, etc.), and working holiday visas (subclasses 417 & 462).
If you are a recent international graduate applying for the Temporary Graduate visa (subclass 485), you will need to switch from OSHC to OVHC to meet the health requirements. Like OSHC, OVHC offers different health policy types, such as single policies for individuals, couple policies for partners, and family cover to include a partner and children under 18 years of age. The cost of OVHC varies based on the policy type, the duration of the visa, and the insurance provider.
Unlike OSHC policies, where you need to pre-purchase coverage for the entire duration of your stay, OVHC cover costs can be paid monthly.
