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

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What's covered by OSHC?
Overseas Students Health Cover (OSHC) provides cover for the cost of

OSHC is 100% compliant with your student visa

CBHS International Health’s OSHC health insurance meets the Department of Home Affairs (DoHA) student visa requirements. It provides benefits towards a range of in-hospital and out of hospital treatments, access to doctors and prescription medicine.

Looking after your health cover needs for more than 70 years

Our parent company CBHS Health Fund, has been looking after Australians’ health cover needs since 1951, providing quality, affordable health insurance to its many thousands of members. CBHS is governed by the Australian Prudential Regulation Authority (APRA), the Department of Health and the Department of Home Affairs which has been established by the Australian Government to oversee health insurance companies and protect the financial well-being of the Australian community. This also includes ensuring appropriate benefits for overseas visitors and students visiting, working or studying in Australia are provided by insurers. As a registered provider for overseas working visitors and international students, CBHS International is required to comply with these standards.

We offer more than great health insurance, we are committed to the health and happiness of all of our members.

Here to help 24/7

If you require assistance, please call the 24/7 medical, interpreter and personal assistance helpline. Anytime, any day, in any language. Contact us.

Instant confirmation after purchase

Once you purchase OSHC you will immediately receive a Certificate of Insurance for your visa. You will need to provide proof of purchase of your OSHC when applying for your overseas student visa, extension or renewal application.

If you would like to discuss options, contact our team who will be happy to assist you. Call (+61) 2 8604 3537 (from overseas) or 1300 174 537 (within Australia) or email oshc@cbhscorp.com.au.

We show you upfront what is and what isn't included.

Please refer to the Policy Member Guide for more information and details. 

Feature Include
Meets your visa requirements
Instant confirmation of your cover
Accident and emergency services
Online doctor services
Face-to-face doctor services (out of hospital)
Prescription medicines (out of hospital)
Specialist doctor
Pathology and radiology
Pregnancy program
Hospital Substitute program
Mental health program
Chronic disease management program
Public hospital emergency department facility fee for non-emergency treatment
Excess (a fee payable by you if you're admitted to hospital)
Hospital treatment - doctor, specialists, pathology & radiology
Pregnancy and related services
Prescription medicines (in hospital)
Assisted reproductive services
Elective cosmetic surgery or laser eye treatment
Medicines not on the Pharmaceutical Benefits Schedule (PBS) and experimental drugs
Meets visa requirements as set by the Department of Home Affairs (DoHA)
In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
100% of the service cost up to $35.00, except where an exclusion applies from CBHS International Health Recognised Online Health Consultation Service Providers.
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. *
Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover.
A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.
Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.
Access to information, support and services to childbirth education and antenatal classes
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.
The program includes mental health coaching, with various levels of support provided under a stepped care framework.
Tailored programs to support your health challenges
If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital. Maximum benefit $160
An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
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.
100% of the Medicare Benefits Schedule (MBS)
Medication provided as apart of your in hospital treatment

What happens after I have arrived in Australia?

Activating your Overseas Student Health Cover (OSHC) upon arriving in Australia.

Activate your cover

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.

Why is Overseas Students Health Cover (OSHC) important?

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.

Don’t wait – make sure your health is safe in Australia

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