Overseas health cover for international students (OSHC)
Overseas Students Health Cover (OSHC) is health insurance for overseas students studying in Australia. You will need to purchase OSHC when applying for a student visa. OSHC covers you when you get sick or have an accident and having Overseas Students Health Cover is your best course of action.
Starting from
$44.70* per month
*Based on a 30 day month
What's covered by OSHC?
Overseas Students Health Cover (OSHC) provides cover for the cost of
Consultations from doctors within our network available online or face-to-face.
Treatment and accommodation when admitted to hospital as an inpatient.
Emergency transportation directly to hospital or on the spot treatment due to accident or emergency.
Benefits for prescription medicine listed on Pharmaceutical Benefits Scheme (PBS) Schedule
We show you upfront what is and what isn't included.
Please refer to the Policy Member Guide for more information and details.
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Meets visa requirements as set by the Department of Home Affairs (DoHA)
Meets your visa requirements
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In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
Instant confirmation of your cover
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100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
Accident and emergency services
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100% of the service cost up to $35.00, except where an exclusion applies from CBHS International Health Recognised Online Health Consultation Service Providers.
Online doctor services
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Free visits per year provided by a GP who is part of the CBHS International Health network. Annual limits apply based on level of cover. *
Face-to-face doctor services (out of hospital)
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Medicine prescribed to you by a doctor. PBS co-payment up to $50 per item. Annual limits applies per person per calendar year.
Prescription medicines (out of hospital)
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Medicine prescribed to you by a doctor. PBS co-payment up to $50 per item. Annual limits applies per person per calendar year.
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A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.
Specialist doctor
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Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.
Pathology and radiology
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Access to information, support and services to childbirth education and antenatal classes
Pregnancy program
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The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.
Hospital Substitute program
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The program includes mental health coaching, with various levels of support provided under a stepped care framework.
Mental health program
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Tailored programs to support your health challenges
Chronic disease management program
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If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital. Maximum benefit $160
Public hospital emergency department facility fee for non-emergency treatment
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An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
Excess (a fee payable by you if you're admitted to hospital)
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$0
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For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference.
Accommodation
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100% of the Medicare Benefits Schedule (MBS)
Hospital treatment - doctor, specialists, pathology & radiology
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12 month waiting period for pregnancy related services. Contact us immediately when you are find out you are pregnant as you maybe eligible for pregnancy programs
Pregnancy and related services
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Medication provided as apart of your in hospital treatment
Prescription medicines (in hospital)
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| Assisted reproductive services | |
| Elective cosmetic surgery or laser eye treatment | |
| Medicines not on the Pharmaceutical Benefits Schedule (PBS) and experimental drugs |
Activating your Overseas Student Health Cover (OSHC) upon arriving in Australia.
Click here or contact us at oshc@cbhscorp.com.au or call us on 1300 174 538 to activate your Overseas Student Health Cover (OSHC) membership. You’ll need to let us know what your address and other contact details are here in Australia.
Your membership card
When you arrive in Australia and activate your Overseas Student Health Cover (OSHC) membership, we’ll send your CBHS International Health membership card to your Australian address within three (3) business days. If you do not receive it, please contact us at oshc@cbhscorp.com.au or phone 1300 174 538.
Use your membership card when you need to visit a doctor, arrange admission to hospital, make a claim or make any other type of enquiry. You are responsible for any claims made using your card. Keep your card safe and advise us immediately if it is lost, stolen or if someone not covered on your OSHC has used your card. For your security, photo ID must accompany your membership card.
If you lose your card, please contact us at oshc@cbhscorp.com.au or phone 1300 174 538.
Visa and passports
CBHS International Health may ask you to provide a copy of your passport and/or visa for any person covered by the CBHS International Health Overseas Student Health Cover (OSHC) policy before paying benefits.
By submitting an application for Overseas Student Health Cover (OSHC), you consent to CBHS International Health verifying your visa details with DoHA.
Student visa requirement
The Australian Government through the Department of Home Affairs (DoHA) requires all holders of a student visa to maintain OSHC during their entire stay in Australia.
Maintaining OSHC is a mandatory condition
Overseas Students Health Cover (OSHC) is a student visa requirement guided by condition 8501. You must maintain OSHC cover for the duration you are on a student visa, that is from the visa’s commencement date through to its expiry date.
Medical treatment can be expensive
Overseas students are not eligible for Medicare (the public health system for most Australian residents). Without access to Medicare, overseas students may have large out-of-pocket expenses. In most cases, hospital treatment will cost more than $1,000 per day.