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Overseas Student Health Cover (OSHC) for Australia

A student visa requires valid health cover for its full duration, and available policies vary more than most students expect. Providers are compared against the visa duration to confirm the right cover from day one.

The right cover matters before your visa is even approved.

Service Process

Choosing OSHC involves matching your policy to your visa length, comparing approved providers, and confirming everything before your application. We guide you through each step directly

At SEMC, choosing the right OSHC cover comes down to three commitments:

Only approved OSHC providers compared for you

Cover matched exactly to your visa length

Direct support with claims after you arrive

Is OSHC compulsory for a student visa?

Yes. Subclass 500 visa holders must maintain valid OSHC for the entire visa period.

Can a provider be chosen directly?

Yes. Australia has several government-approved OSHC providers, and you're not required to use whichever one your university or agent recommends. Providers differ in pricing, claim process, and extras like dental or optical add-ons, so comparing your options first is worth the time.

Does OSHC cover family joining the student in Australia?

Yes. Spouses and dependent children can be added to your policy for an additional cost, with the same hospital and medical benefits as your own cover. This is worth arranging before they arrive, since cover isn't automatically backdated.

What happens if cover lapses?

A lapse in OSHC can put your visa compliance at risk, since continuous cover is a condition of your visa, not just a recommendation. If your policy is close to expiring, we recommend renewing early rather than waiting, since even a short gap can cause complications.

Service Options

Provider Review

We compare approved OSHC providers so you choose cover that fits your course, budget, and visa length.

Claims Support

We explain how to file a claim, what documents you need, and how long reimbursement usually takes.

Cover Alignment

We match your OSHC policy length to your visa so your cover never has any gaps or overlaps.

Renewal Reminders

We remind you before your policy expires so your cover stays active throughout your entire course.

Family Cover

We help you add family members to your policy if they're joining you in Australia for your course.

Document Review

We check your OSHC documents are complete and correct before you submit your student visa application.