Australia is one of the world’s top destinations for international students and skilled workers due to its strong economy, high-quality education, and excellent healthcare system. However, unlike many countries, health insurance is mandatory for most foreigners entering Australia, whether you’re coming to study, work, or migrate long-term.
In 2025, understanding the different types of health insurance available in Australia is more important than ever. This guide explains Overseas Student Health Cover (OSHC), Overseas Visitor Health Cover (OVHC), coverage types, costs, requirements, and how to choose the right plan for your visa type.
Why Health Insurance Is Mandatory in Australia
Australia’s public healthcare system, Medicare, provides high-quality services but is primarily funded for citizens, permanent residents, and some eligible visa holders. Most international students and temporary workers are not automatically covered.
Therefore, the Australian Government requires OSHC for international students and OVHC for temporary workers to ensure access to essential health services.
Health Insurance for International Students (OSHC)
What Is OSHC?
Overseas Student Health Cover (OSHC) is mandatory health insurance for anyone holding a Student Visa (Subclass 500).
OSHC helps international students pay for:
– GP visits
– Hospital services
– Emergency ambulance
– Limited prescription medicines
Who Needs OSHC?
– International students
– Spouses/partners (Couple OSHC)
– Children and dependents
Top OSHC Providers in 2025
– BUPA OSHC
– Medibank OSHC
– Allianz Care OSHC
– Nib OSHC
– Ahm OSHC
Cost of OSHC in 2025
| OSHC Plan | Approx. Yearly Cost (AUD) |
| Single | 450 – 650 |
| Couple | 2,500 – 3,500 |
| Family | 4,000 – 6,000 |
OSHC Covers
– GP visits
– Hospital care
– Emergency ambulance
– Prescription medicines (limited)
OSHC Doesn’t Cover
– Dental
– Optical
– Physiotherapy
– Non-emergency ambulance
Health Insurance for Workers (OVHC)
What Is OVHC?
Overseas Visitor Health Cover (OVHC) is required for temporary workers and visitors who are not eligible for Medicare.
Who Needs OVHC?
– Subclass 482 visa holders
– Subclass 485 (temporary graduates)
– Subclass 600 (visitors)
– Working holiday visa holders
– Training visa holders
Top OVHC Providers
– BUPA OVHC
– Medibank OVHC
– Allianz Visitors Cover
– Nib OVHC
– Ahm OVHC
OVHC Cost in 2025
| OVHC Plan | Monthly Cost (AUD) |
| Single Basic | 70 – 120 |
| Couple | 150 – 300 |
| Family | 250 – 450 |
| Comprehensive | 150 – 250 |
OSHC vs OVHC Comparison
| Feature | OSHC | OVHC |
| Mandatory | Yes | Yes |
| Target | Students | Workers & visitors |
| Ambulance | Yes | Yes |
| Extras | Not included | Optional |
| Price | Lower | Higher |
Choosing the Right Health Insurance Plan
Consider the following:
– Visa requirements
– Budget and coverage
– Hospital networks
– Optional extras (dental, optical)
– Waiting periods
Average Healthcare Costs in Australia Without Insurance
| Service | Cost (AUD) |
| GP Visit | 70 – 120 |
| Specialist Consultation | 200 – 500 |
| Ambulance | 400 – 1,200 |
| Hospital Stay (per day) | 1,500 – 3,000 |
| Medicines | 20 – 100 and more |
Family OSHC and OVHC
Family insurance covers:
– Husband and wife
– Children under 18
– Dependents
Can You Use Overseas Insurance?
No. Only Australian-approved OSHC or OVHC meets visa requirements.
Common Mistakes to Avoid
– Starting insurance after arrival
– Cancelling before visa expiry
– Choosing plans without checking coverage
– Not comparing providers
How to Apply for OSHC or OVHC
1. Compare providers.
2. Choose plan type (Single, Couple, Family).
3. Provide details (passport, visa type, start date).
4. Pay a premium.
5. Receive your insurance certificate.
Frequently Asked Questions (FAQs)
1. Is health insurance compulsory for students?
Yes, OSHC is mandatory for international students.
2. What if I don’t buy OSHC or OVHC?
You may breach visa conditions.
3. Does insurance cover dental?
Basic plans do not; extras are needed.
4. Can I switch providers?
Yes, anytime.
5. Does OVHC cover ambulance?
Yes.
6. Can I use OSHC after my studies?
No, switch to OVHC for work visas.
7. How long should my insurance last?
Cover must match the visa duration.
8. Who gets Medicare?
Only specific visas (not most students/workers).
9. How much to budget yearly?
– Students: 450 to 600 AUD
– Workers: 800 to 2,500 AUD
10. Is health insurance expensive in Australia?
It depends on your visa and coverage level.
Conclusion
Health insurance is mandatory for studying or working in Australia. By understanding OSHC and OVHC, comparing providers, and choosing the right coverage, you can stay protected and compliant with Australian visa regulations.