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Insurance is a crucial part of your journey as an international student in Australia. We help you choose and apply for the right insurance policies that meet both your visa requirements and personal needs.

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Our Insurance Services for Students

We provide comprehensive insurance solutions tailored to international students' needs

Mandatory

OSHC

Overseas Student Health Cover is mandatory for all international students in Australia. We help you get the best OSHC policy that meets visa requirements.

Recommended

OVHC

OVHC helps cover medical expenses like doctor visits, hospital stays, and emergency care. OVHC ensures you meet visa requirements while staying protected during your time in Australia.

What is OSHC (Overseas Student Health Cover)?

OSHC is a mandatory health insurance required by the Australian government for all international students holding a student visa.

What Does OSHC Cover?

OSHC helps international students meet the costs of medical and hospital care they may need while in Australia. It covers:

Doctor consultations and treatments
Hospital accommodation and treatment
Emergency ambulance services
Some prescription medicines
Limited optical and dental services
Pathology and radiology services

Without OSHC, students may face significant out-of-pocket expenses during medical emergencies. With it, you can access necessary healthcare without financial stress.

Why Do You Need OSHC Insurance?

Here's why OSHC is non-negotiable for international students in Australia

Visa Compliance

You must maintain valid OSHC throughout your entire student visa duration. It's a core requirement for visa approval and entry into Australia.

Medical Protection

Healthcare costs in Australia can be high. OSHC helps cover hospital stays, GP visits, emergency care, and more—saving you from expensive medical bills.

Peace of Mind

With the right OSHC plan in place, you'll have one less thing to worry about during your study abroad experience.

Cost-Effective

OSHC is designed to be affordable for students while providing essential coverage for medical services in Australia.

Access to Services

OSHC gives you access to Australia's healthcare system, including private hospitals and medical providers.

Family Coverage

If you have family members accompanying you, they can also be covered under your OSHC policy.

What is OVHC (Overseas Visitor Health Cover)?

Protect your health while staying in Australia with the right OVHC plan.

If you're visiting or temporarily living in Australia on certain visas, having Overseas Visitor Health Cover (OVHC) is either a requirement or a wise choice. OVHC helps cover medical costs in case of illness or injury and ensures you're protected from unexpected healthcare expenses during your stay.

Who Needs OVHC in Australia?

Here's a quick guide based on your visa type

Temporary Graduate Visa (Subclass 485)

OVHC is mandatory and must be maintained throughout your visa period.

Working Holiday Visa (Subclass 417 & 462)

Not compulsory, but strongly recommended as Medicare typically does not apply to visitors.

Temporary Skill Shortage Visa (Subclass 482)

OVHC is required, and often arranged through your employer.

Temporary Work Visas (Subclass 400, 407, 408)

You must have OVHC due to lack of access to public healthcare.

Visitor Visas (Subclass 600, 601, 651)

OVHC is not mandatory, but advised to avoid high medical costs.

Bridging Visas

OVHC is important if you're waiting for approval of another visa that requires health insurance.

Need Help Choosing the Right OVHC?

With so many providers and plans available, selecting the right OVHC can be confusing. Our experienced team at Landmark Education & Visa Services is here to help you find a suitable policy that meets visa conditions and fits your budget.

Stay covered. Stay worry-free.

Frequently Asked Questions

Find answers to common questions about student insurance in Australia

Yes, OSHC is a mandatory requirement for all international students studying in Australia on a student visa (subclass 500). You must maintain OSHC for the entire duration of your stay in Australia on a student visa.

The cost of OSHC depends on several factors including the provider, level of coverage, and duration of your stay. On average, OSHC costs between AUD $450-$600 per year for single coverage. We can help you compare prices from different providers to find the best deal.

No, Australian immigration law specifically requires international students to purchase OSHC from an approved Australian provider. Health insurance from your home country will not satisfy this visa requirement.

OSHC typically doesn't cover pre-existing conditions (for the first 12 months), cosmetic surgery, services not medically necessary, or treatment arranged before coming to Australia. Dental, optical, and physiotherapy are usually only covered to a limited extent.

The claims process varies by provider, but generally you can submit claims online, through a mobile app, or by mail. Many providers have direct billing arrangements with doctors and hospitals, meaning you won't need to pay upfront. We'll guide you through your specific provider's claims process.

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Get Your Insurance Sorted – Hassle-Free & Cost-Effective

Our Insurance Services for Students

OSHC

OVHC