Arranging Health Cover OSHC/OVHC

Planning to travel to Australia to Study. You need the OSHC.

In Australia, it is important for all international students to have health insurance. This health care program is referred to as the Overseas Student Health Cover (OSHC).
So, before you plan to go to Australia for your studies, it is important to know about this health cover and how it works?
What is OSHC?

OSHC is an acronym for Overseas Student Health Cover. It is special health insurance for international students designed to cover the costs of hospital and medical care that students may require while living and studying in Australia..
Who offers OSHC?

OSHC has been offered to International students only by certain providers. Some of the popular insurers are:
Bupa AHM Health Insurance Allianz Global Assistance Nib Medibank
Who should purchase OSHC?

According to the Department of Immigration and Citizenship in Australia, individuals who are carrying a student visa and their dependents (including children under 18) should get OSHC during their stay in Australia. Note that there are certain exceptions, though. OSHC can be purchased either by your own OSHC provider or your education provider.

What does it cover?

OSHC policies cover the cost of medical treatment including hospital, ambulance services etc. It provides complete coverage to International students seeking treatment in hospitals, doctors’ offices, and limited prescription drugs. The coverage depends on the plan you purchase from the OSHC provider.
5. How can Wisdom Tests help?

Wisdom Tests Services can help you procure an OSHC. Here is what we do
- Help you choose the right provider and the best cheapest plan
- Inform you of ongoing special discounts from OSHC providers
- Help you file the proper documentation required to procure the OSHC
- Explain to you all the clauses, benefits, inclusion and exclusions in your policy

Want to know which OSHC to buy? Contact us

Pop Out: Do you plan to visit Australia; to work or simply as a tourist? You need the OVHC

An international applicant wishing to travel to or work in Australia must have appropriate health policy to cover the duration of their stay. Overseas Visa Health Cover, widely known as the OVHC is the health insurance category that fulfils this requirement.

A lot of visa categories are covered by this policy such as visitor visas (subclasses 300, 580, 590, 600, 601), bridging visas, working visas (subclasses 482, 485, 400,401, 476, 489, etc) and working holiday visas (subclasses 417 & 462).

If you are a recent international graduate and apply for your Temporary Graduate visa (subclass 485), you will need to switch from OSHC to OVHC to meet the health requirements. Like OSHC, there are different health policy types you can choose from depending upon your application nature (i.e. single policy for single applicants, couple policy for couples, and family cover to include your partner and children under 18 years of age). The cost varies upon the policy type, the duration of the visa, and the insurance provider.

However, unlike the OSHC policies, where you need to pre-purchase your policy for the entire duration of your stay, the OVHC cover costs can be paid monthly.

How can Wisdom Tests help you?

Wisdom Tests Services can help you procure an OVHC. Here is what we do

Help you choose the right provider and the best cheapest plan
Inform you of ongoing special discounts from OSHC providers
Help you file the proper documentation required to procure the OSHC
Explain to you all the clauses, benefits, inclusion and exclusions in your policy

Want to know which OVHC to buy? Contact us