Choosing the Right OSHC or OVHC for Your Needs
Choosing the right Overseas Student Health Cover (OSHC) or Overseas Visitor Health Cover (OVHC) depends on your visa type, length of stay, and healthcare needs.
With multiple providers and policy options available in Australia, it’s important to understand what each plan includes and how it aligns with your situation.
When selecting health cover, you should consider:
- Your visa requirements (student visa or visitor visa)
- Duration of your stay in Australia
- Level of medical coverage needed
- Waiting periods and exclusions
- Budget and premium options
What Does OSHC & OVHC Cover?
Understanding what your OSHC or OVHC includes is essential when choosing the right policy for your stay in Australia.
Most health cover for international students and overseas visitors includes the following core benefits:
- Doctor (GP) visits – consultations with general practitioners for common health concerns
- Hospital treatment – accommodation, procedures, and care in public or private hospitals
- Emergency ambulance services – coverage for ambulance transport in urgent situations
- Prescription medicines – partial coverage for approved medications
- Specialist consultations – referrals to specialists when required
- Diagnostic services – tests such as X-rays, blood tests, and scans
These benefits ensure that you have access to essential healthcare services while studying or living in Australia. Coverage levels may vary by provider and policy, so comparing options is important before selecting a plan.
What Is NOT Covered by OSHC or OVHC?
While OSHC and OVHC provide essential medical coverage, there are certain services and treatments that are typically not included or may have limitations.
Comparison Table (Covered vs Not Covered)
| Covered by OSHC / OVHC | Not Covered / Limited Coverage |
|---|---|
| GP (doctor) visits | Dental treatment (unless extras added) |
| Hospital treatment | Optical services (glasses, eye exams) |
| Emergency ambulance | Cosmetic or elective procedures |
| Prescription medicines (partial) | Pre-existing conditions (waiting periods apply) |
| Specialist consultations | Alternative therapies (e.g. acupuncture) |
| Diagnostic tests (X-rays, blood tests) | Pregnancy-related services (waiting periods may apply) |
| Emergency care | Treatment outside Australia |
It’s important to understand both what is included and excluded in your policy to avoid unexpected out-of-pocket expenses. Some services like dental, optical, and physiotherapy may be available through additional or upgraded cover options.
Before selecting your policy, always review:
- Coverage limits
- Waiting periods
- Exclusions and conditions
Our team can help you compare policies and choose the right level of coverage for your needs.
Why Choose Click Consulting for Health Cover
Choosing the right health cover for international students or overseas visitors can be confusing with multiple providers and policy options available. At Click Consulting, we make the process simple and stress-free.
- Expert guidance on OSHC and OVHC
- Compare multiple trusted providers
- Visa-compliant health cover
- Fast processing and instant certificates
- Personalised recommendations
- End-to-end support
From enrolment to visa preparation, we support your entire journey in Australia.
Frequently Asked Questions
How much does OSHC cost in Australia?
The cost of OSHC varies depending on the provider and coverage level, but typically ranges from $600–$800 per year for single cover.
What happens if my OSHC expires?
If your OSHC expires:
You may not be covered for medical expenses
- You may breach visa conditions
- Your visa could be affected
