You and your family members must have and maintain adequate health insurance for the whole of your stay in Australia. To find out the length of coverage you will require, see student visa grant periods.
You and your family members must be covered by Overseas Student Health Cover (OSHC) from an approved Australian health insurance provider, unless an ‘Exception’ applies.
Applicants outside Australia
Your cover must start from the day you and your family arrive in Australia, not the day your course starts.
If you have been granted a visa and want to travel to Australia before your course begins, the OSHC start date must be the same as the date you arrive, not the date your course starts. Generally this is a minimum of 1 week to 1 month before your course starts.
You must:
- ensure you don’t enter Australia before your OSHC begins, and
- maintain your OSHC until you leave Australia.
You may be refused entry to Australia if you cannot prove you have health insurance in place when you arrive.
Applicants in Australia
Applicants must have OSHC. If your previous visa required you to have health insurance, cover must be continuous with no gap between your previous health cover and your OSHC.
Exceptions
You do not need to have OSHC if you are:
- a Norwegian student covered by the Norwegian National Insurance Scheme
- a Swedish student covered by Kammarkollegiet
- a Belgian student covered under the Reciprocal Health Care Agreement with Australia
How to get Overseas Student Health Cover
To get OSHC:
- find an approved provider
- pay for your policy
Your education provider or agent might arrange OSHC for you.
If your education provider arranges your OSHC coverage, you will need to know the name of your health insurance provider, the date that your policy starts and finishes and should be aware of the terms and conditions of your policy. Your education provider will also need to include your health insurance information on your Certificate of Enrolment (CoE).
If you arrange OSHC coverage yourself, you will need to know the policy number to include in the visa application.
We will refuse your visa application if you don’t give us this information when you apply for your student visa.
Insurance for family members
If you have a single OSHC policy and you have family members, including children born in Australia after your arrival, consider getting a family policy. Every member of your family must have health insurance.
Any family member who joins you after you arrive in Australia must show us they have OSHC for the duration of their stay in Australia.