Insurance Requirements

Insurance requirements assist international students meet the costs of medical and hospital care you may need while in Australia.

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What is Overseas Student Health Cover (OSHC)?

OSHC is insurance to assist international students to meet the costs of medical and hospital care that they may need while in Australia. OSHC will also pay limited benefits for pharmaceuticals and ambulance services.

Who has to take out OSHC?

People who must take out OSHC are overseas students undertaking formal studies in Australia and their dependents (for example, spouses and children under 18 years old).

For the purposes of OSHC, ‘overseas student’ means:

  • a person who is the holder of a student visa (subclass 500); or
  • a person who:
    • is an applicant for a student visa; and
    • is the holder of a bridging visa; and
    • was immediately before being granted the bridging visa, the holder of a student visa.

The Department of Home Affairs requires overseas students to maintain OSHC for the duration of time they are in Australia. For further information please visit the Department of Home Affairs website.

Who doesn't have to take out OSHC?

Belgian, Norwegian and some Swedish students are not required to purchase OSHC as part of their visa requirements. International students on any other visa than a subclass 500 (i.e. another temporary visa) are encouraged to take out Overseas Visitor Health Cover (OVHC) but this is not a visa requirement.

Which insurers offer OSHC?

How do I purchase OSHC?

You can arrange to pay for your OSHC through Endeavour College of Natural Health or you can purchase OSHC online by visiting the OSHC insurers’ websites. You retain the right to choose your own OSHC provider even when your educational institution makes a specific recommendation because they have negotiated a preferred provider arrangement with a particular insurer.

If you would like the College to arrange your insurance, please discuss this with your Admissions Adviser during your enrolment process.

How much does OSHC cost?

The cost of OSHC varies depending on the type of cover required. The average cost of minimum cover is $685 for 12 months singles cover, $2354 for 12 months couples cover, and $3582 family cover (Australian dollars).

For more information regarding OSHC, please visit the Australian Government Department of Health website at: