Health Insurance (OSHC, OVHC)


There are two types of Health Insurance for those who are staying in Australia temporarily:

Overseas Student Health Cover (OSHC)

This type of insurance is suitable for visitors who are holding a student visa for over three months. The type of OSHC depends on your personal circumstances:

  1. Single Cover: for a student without any dependants.
  2. Couple Cover: for a student with accompanied spouse.
  3. Family Cover: for a student with family (spouse and child or children) as the dependant.

Visitors who hold student visas are required to have OSHC for the entire period of their stay in Australia. It covers most medical bills except for ophthalmologist, dental, and orthopaedic.
For more information regarding fees, terms and conditions please refer to the link below for each OSHC provider:

oshc1
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For more information regarding OSHC in Australia, please refer to link below;
http://www.health.gov.au/internet/main/publishing.nsf/Content/Overseas+Student+Health+Cover+FAQ-1#insurersofferoshc

Overseas Visitor Health Cover (OVHC)

This is suitable for visitors who are holding a working visa (SC457, 485) and those who wish to stay in Australia for a short amount of time with a visitor visa (SC600, 601, 651). The OVHC will also cover medical services and fees except for ophthalmologist, dental, and orthopaedic. Visitors with OVHC will pay an insurance fee monthly via their bank account.

There are three providers in Australia who provide OVHC: ALLIANZ, BUPA and MEDIBANK (Please refer to link below for more information).

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oshc2
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For more information regarding to OVHC in Australia, please refer to link below;
http://www.privatehealth.gov.au/healthinsurance/overseas/ovhc.htm