OSHC, OVHC & Travel Insurance
Help for international students, temporary visa holders, and travellers to access suitable cover based on visa, study, and travel requirements.
Choose the Cover That Fits Your Situation
Select a cover type below to see features, providers, and key details.
OSHC – Overseas Student Health Cover in Australia
Unless an exemption applies, Student visa subclass 500 holders and accompanying family members must maintain appropriate OSHC for the required period of their stay.
What's included
- Eligible Medical & Hospital Cover
- Emergency Ambulance Services
- Student Visa Health Cover Requirements
- Certain Prescription Medicine Benefits
- Single, Couple & Family Policy Options
Key details
OSHC Providers Available Through Aptitude Migration
OSHC vs OVHC vs Travel Insurance
Choosing the right insurance depends on your visa type, destination, length of stay, and individual circumstances.
| Feature | OSHC | OVHC | Travel |
|---|---|---|---|
| Who Is It For? | Student visa subclass 500 holders, unless exempt | Temporary visa holders who need or choose health cover in Australia | Travellers and eligible Schengen visa applicants |
| Coverage Requirements | Must meet Australian OSHC requirements | Depends on visa conditions and selected policy | Minimum €30,000 medical cover for relevant Schengen visa applications |
| Coverage Period | Required period of Student visa stay, unless exempt | Based on visa requirements and intended stay | Entire intended travel period or stay |
| Claims | Online, app or other provider methods | Varies by provider and policy | Varies by insurer and policy |
| Family Options | Single, couple and family cover options available | Family options may be available | Family policies may be available |
| Pre-existing Conditions | Waiting periods and exclusions may apply | Varies by provider and policy | Coverage depends on insurer, policy and medical circumstances |
Not sure which insurance applies?
Get guidance based on your visa type, destination, and circumstances.
Frequently Asked Questions
Quick answers about OSHC, OVHC, and travel insurance for your visa or travel plans.
Yes. Unless an exemption applies, Student visa subclass 500 holders must maintain OSHC for the required period of their stay in Australia.
Still have questions about the right cover?
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