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Overseas health cover for overseas students (OSHC)

Overseas Student Health Cover (OSHC) is health insurance for overseas students studying in Australia. You'll need to purchase OSHC when applying for a visa subclass 500 student visa. OSHC covers you when you get sick or have an accident^. 

Starting from

$46.80* per month
*Based on a 30-day month in the first year of cover

Get a quote

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

Plan & pricing

Overseas Student Health Cover Essentials

$4680* per month
(*Based on a 30-day month in the first year of cover)

This product is available for new purchases.

Get a quote

Overseas Student Health Cover Standard

This product is only available to our current OSHC Standard policy holders for cover date updates and changes. To change your cover to OSHC Essentials please call us on 1300 174 538.
To change your cover dates, please click below.

change my cover dates

^Refer to your level of health cover for eligibility, service limits, benefits, exclusions, and any applicable waiting periods.

Meets visa requirements as set by the Department of Home Affairs (DoHA)
Meets your visa requirements
In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
Instant confirmation of your cover
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
100% of the service cost up to the amount agreed with the Recognised Provider, except for services where an Exclusion applies.
Online doctor services
Free visits per year provided by a GP who is part of the CBHS International Health network. ^
Face-to-face doctor services (out-of-hospital)
Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. Annual limits apply per person per calendar year.
Prescription medicines (out-of-hospital and in hospital)
Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. $500 person limit p.a, $1000 family limit p.a. Annual limits apply per person per calendar year.

Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. $500 person limit p.a, $1000 family limit p.a. Annual limits apply per person per calendar year.

Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. $300 person limit p.a, $600 family limit p.a. Annual limits apply per person per calendar year.

A doctor specialising in a particular field, e.g., a surgeon or a cardiologist, providing services out-of-hospital. Contact CBHS International before making an appointment.
Specialist doctor (out-of-hospital)

At least 85% of the MBS for specialist doctor services provided out-of-hospital by specialist doctors


100% of the MBS for specialist doctor services provided out-of-hospital

Medical services including blood tests, x-rays, and ultrasounds provided out-of-hospital.
Pathology and radiology (out-of-hospital)

At least 85% of the MBS for diagnostic services such as pathology and x-ray services provided out-of-hospital


100% of the MBS for diagnostic services such as pathology and x-ray services provided out-of-hospital

Public hospitals charge a facility fee when you visit their emergency department.
Public hospital emergency department facility fee

If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital.

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)
$0
$0
Public hospital – admitted patient in shared ward hospital accommodation, same day services, accident and emergency and outpatient medical and post-operative services – the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. Some public hospitals charge more than this which means you will have to pay the difference. Private hospital - 100% cover for agreement private hospitals. For non-agreement hospitals, the benefits payable will be at least the Minimum Default Benefit as per the Fund Rules.
Accommodation
100% of the Medicare Benefits Schedule (MBS)
Hospital treatment - doctor

100% of the MBS for doctor services


100% of the MBS for doctor services

100% of the Medicare Benefits Schedule (MBS)
Hospital treatment - specialists, pathology & radiology

100% of the MBS for specialist doctor services


100% of the MBS for specialist doctor services

12 month waiting period for pregnancy-related services. It’s important that you contact us as soon as you become pregnant so we can ensure you understand what you are covered for.
Pregnancy and related services
A chronic disease management plan identifies your health and care needs; sets out the services to be provided by your GP; and lists the actions you can take to help manage your condition.
Chronic Disease Management Plan

85% of the Medicare Benefits Schedule Fee where the services have been billed with a Medical Benefits Schedule item number with a plan prepared by a GP which must be provided to CBHS to confirm eligibility

For the full list of exclusions please refer to the OSHC Policy Guide
Exclusions
Assisted reproductive services
Elective cosmetic surgery or laser eye treatment
High-cost medicines, experimental medicines and pharmaceuticals that are not listed on the PBS
MBS item numbers not performed by a Medical Practitioner
Plan & pricing

Overseas Student Health Cover Essentials

$4680* per month
(*Based on a 30-day month in the first year of cover)

This product is available for new purchases.

Get a quote

Overseas Student Health Cover Standard

 

This product is only available to our current OSHC Standard policy holders for cover date updates and changes. To change your cover to OSHC Essentials please call us on 1300 174 538.
To change your cover dates, please click below.

change my cover dates

Overseas Student Health Cover Essentials

$4680* per month
(*Based on a 30-day month in the first year of cover)

This product is available for new purchases.

Get a quote

^Refer to your level of health cover for eligibility, benefit limits, exclusions, and any applicable waiting periods.

i Meets visa requirements as set by the Department of Home Affairs (DoHA)
i In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
i 100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
i 100% of the service cost up to the amount agreed with the Recognised Provider, except for services where an Exclusion applies.
i Free visits per year provided by a GP who is part of the CBHS International Health network.^
Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. $500 person limit p.a, $1000 family limit p.a. Annual limits apply per person per calendar year.

i Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. Annual limits apply per person per calendar year.
At least 85% of the MBS for specialist doctor services provided out-of-hospital by specialist doctors

i A doctor specialising in a particular field, e.g., a surgeon or a cardiologist, providing services out-of-hospital. Contact CBHS International before making an appointment.
At least 85% of the MBS for diagnostic services such as pathology and x-ray services provided out-of-hospital

i Medical services including blood tests, x-rays, and ultrasounds provided out-of-hospital.
i Public hospitals charge a facility fee when you visit their emergency department.
i An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
i Public hospital – admitted patient in shared ward hospital accommodation, same day services, accident and emergency and outpatient medical and post-operative services – the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. Some public hospitals charge more than this which means you will have to pay the difference. Private hospital - 100% cover for agreement private hospitals. For non-agreement hospitals, the benefits payable will be at least the Minimum Default Benefit as per the Fund Rules.
100% of the MBS for doctor services

i 100% of the Medicare Benefits Schedule (MBS)
100% of the MBS for specialist doctor services

i 100% of the Medicare Benefits Schedule (MBS)
i 12 month waiting period for pregnancy-related services. It’s important that you contact us as soon as you become pregnant so we can ensure you understand what you are covered for.
85% of the Medicare Benefits Schedule Fee where the services have been billed with a Medical Benefits Schedule item number with a plan prepared by a GP which must be provided to CBHS to confirm eligibility

i A chronic disease management plan identifies your health and care needs; sets out the services to be provided by your GP; and lists the actions you can take to help manage your condition.
i For the full list of exclusions please refer to the OSHC Policy Guide

Overseas Student Health Cover Essentials

$4680* per month
(*Based on a 30-day month)

This product is available for new purchases.

Get a quote

Overseas Student Health Cover Standard

 

This product is only available to our current OSHC Standard policy holders for cover date updates and changes. To change your cover to OSHC Essentials please call us on 1300 174 538.
To change your cover dates, please click below.

change my cover dates

^Refer to your level of health cover for eligibility, benefit limits, exclusions, and any applicable waiting periods.

i Meets visa requirements as set by the Department of Home Affairs (DoHA)
i In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
i 100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
i 100% of the service cost up to the amount agreed with the Recognised Provider, except for services where an Exclusion applies.
i Free visits per year provided by a GP who is part of the CBHS International Health network.^
Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. $300 person limit p.a, $600 family limit p.a. Annual limits apply per person per calendar year.

i Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. Annual limits apply per person per calendar year.
100% of the MBS for specialist doctor services provided out-of-hospital

i A doctor specialising in a particular field, e.g., a surgeon or a cardiologist, providing services out-of-hospital. Contact CBHS International before making an appointment.
100% of the MBS for diagnostic services such as pathology and x-ray services provided out-of-hospital

i Medical services including blood tests, x-rays, and ultrasounds provided out-of-hospital.
If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital.

i Public hospitals charge a facility fee when you visit their emergency department.
i An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
i Public hospital – admitted patient in shared ward hospital accommodation, same day services, accident and emergency and outpatient medical and post-operative services – the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. Some public hospitals charge more than this which means you will have to pay the difference. Private hospital - 100% cover for agreement private hospitals. For non-agreement hospitals, the benefits payable will be at least the Minimum Default Benefit as per the Fund Rules.
100% of the MBS for doctor services

i 100% of the Medicare Benefits Schedule (MBS)
100% of the MBS for specialist doctor services

i 100% of the Medicare Benefits Schedule (MBS)
i 12 month waiting period for pregnancy-related services. It’s important that you contact us as soon as you become pregnant so we can ensure you understand what you are covered for.
i For the full list of exclusions please refer to the OSHC Policy Guide

Overseas Student Health Cover Standard

 

This product is only available to our current OSHC Standard policy holders for cover date updates and changes. To change your cover to OSHC Essentials please call us on 1300 174 538.
To change your cover dates, please click below.

change my cover dates

Overseas Worker Top Hospital and Medical

$18499 per month

Get a quote
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 the amount agreed with the Recognised Provider, except for services where an Exclusion applies.
Free visits per year provided by a GP who is part of the CBHS International Health network.^
Medicine prescribed to you by a doctor listed on the Pharmaceutical Benefits Schedule (PBS). CBHS International Health pays pharmaceutical benefits for expenses exceeding the current PBS patient contribution, up to $50 per item. $300 person limit p.a, $600 family limit p.a. Annual limits apply per person per calendar year.
100% of the MBS for specialist doctor services
Medical services including blood tests, x-rays, and ultrasounds provided out-of-hospital.
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.
An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
Public hospital – admitted patient in shared ward hospital accommodation, same day services, accident and emergency and outpatient medical and post-operative services – the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. Some public hospitals charge more than this which means you will have to pay the difference. Private hospital - 100% cover for agreement private hospitals. For non-agreement hospitals, the benefits payable will be at least the Minimum Default Benefit as per the Fund Rules.
100% of the Medicare Benefits Schedule (MBS)
12 month waiting period for pregnancy-related services. It’s important that you contact us as soon as you become pregnant so we can ensure you understand what you are covered for.

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 over 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.

 

^CBHS International Health may refer you to third party providers when you use the medical, interpreter and personal assistance helpline. If you decide to engage a provider, it will be on the basis that CBHS International Health will not be responsible, and you will not hold CBHS International Health responsible, for any liability that may arise from that engagement. 

 

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 174 538 (within Australia) or email oshc@cbhscorp.com.au.

Frequently asked questions

What happens after I have arrived in Australia?

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

Activate your cover online

Use the link above, 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 Student 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 Student 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, 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

Get a quote

To provide you with an accurate quote, you'll need to enter information that includes your personal details and travel plans