nib OSHC (Overseas Student Health Cover)

 Are you travelling to Australia to study? If so, you must organise Overseas Student Health Cover (OSHC) before you arrive. nib OSHC will reduce your medical bills while meeting your visa requirements. Read on to learn about nib student insurance and why nib OSHC could be a great option.

Why Choose nib OSHC?

You must have health insurance if you're an overseas student or a graduate with a working visa. nib offers health coverage designed for overseas students and working visa holders. Read on to find out the benefits of nib overseas student health cover.

Meet the Student Visa Requirements

The nib OSHC policy meets all the Australian Government’s health insurance requirements for over 16 types of Australian visas, including student visas. nib overseas student health cover ensures access to hospital care and medical treatment while studying in Australia. nib OSHC insurance provides financial protection if you have unexpected health expenses.

The nib student insurance policies can also cover a spouse and any dependent children under 18 years of age who are in Australia with you. nib OSHC does not cover extended family like grandparents, uncles, aunts, or cousins.

Australian-Wide Coverage

In Australia, the healthcare system is divided into two categories: public and private. Australian residents get 'free' access to the public system through a Government-funded scheme called Medicare. International Students and Workers do not automatically get that access. As a result, policies like OSHC and OVHC are designed to mimic the benefits received in the Medicare-funded model. The private health system covers you for non-emergency and emergency health issues, including treatment in a hospital and the cost of an ambulance. nib OSHC gives you access to the public and private health system, with most services happening in the public system.

nib overseas student health cover provides the following types of medical services and health cover Australia-wide:

  • Doctor’s visits
  • Emergency ambulance services
  • Hospitalisation
  • Prescription medication
  • Prostheses
  • Surgery.

nib international student health insurance does not pay for:

  • Compensation or damages
  • Extras services
  • Infertility treatments
  • Medical treatment outside of Australia
  • Non-essential hospital items
  • Services not covered by Medicare.

For detailed information about nib’s policy coverage, go here.


Easy & Fast Approval

When you choose nib OSHC, you can get coverage in as little as 5 minutes.  

Smart Solutions via the nib App

nib overseas student health cover offers smart solutions for international workers and students. The dedicated nib App is an easy way to manage your nib OSHC. You also get access to the nib Rewards program, where you can get everyday savings on things like shopping and transport.


Access to Telehealth & Mental Health Services

When you have nib OSHC, you get access to telehealth doctor appointments. These virtual medical consultations are beneficial if you’re too unwell to leave home. nib overseas student health cover supports your mental health and well-being via the digital on-demand nib App.

What does nib OSHC cover?

With nib OSHC, you get Australia-wide medical and hospital treatment coverage. nib international student health insurance cover options include doctor's treatment, hospital treatment, prescription medication, prostheses, and ambulance cover. As one of Australia's biggest health insurers, nib insures over one million Australians and more than 130,000 international students and workers. nib OSHC Australia meets the Australian Government Department of Immigration student visa health insurance requirements. 

Doctor & Specialist Coverage

The nib OSHC policy allows you to visit a GP for medical consultations, for which you'll be covered for 100% of the Medicare Benefits Scheme fee. It also covers you for specialist visits, blood tests, and X-rays, for which you can claim up to 85% of the Medicare Benefits Scheme fee. As an overseas student, you will save even more money if you visit the nib preferred providers. 


Hospital Coverage

nib overseas student health cover pays 100% of the recommended state or territory rates for hospital treatment in a public hospital. It also covers 100% of the agreed rate in a private hospital.  

Emergency Ambulance Coverage

nib Health Insurance OSHC has emergency ambulance coverage. This can also include emergency on-the-spot treatment coverage by a paramedic. However, if you call an ambulance and it's not considered an emergency, it will not be covered by nib international student health insurance.


Prescription Medicines Coverage

The nib OSHC policy can pay up to $50 per item if the medication is listed on the Pharmaceutical Benefits Scheme (PBS). You receive this after you've paid the PBS patient contribution. There is a limit of $300 for singles and $600 for families per year.



Prostheses Coverage

nib OSHC covers you for 100% of government-approved no-gap prostheses and the minimum benefit for gap-permitted prostheses.


What Does nib OSHC Cover?

nib OSHC cover for international students covers:

  • Hospital and medical costs when you're living in Australia.
  • Unlimited emergency ambulance cover.
  • Access to public and nib preferred public hospitals for accommodation and medical treatment for services included in your cover.
  • Doctor (GP) consultations with no out-of-pocket costs if you have a telehealth appointment with a nib telehealth GP.

For further details, refer to the nib product brochure.


How to Make an nib OSHC Claim

Suppose you have attended a nib-preferred private hospital where the procedure is covered and the doctors are participating in nib MediGap. In that case, you may not need to pay any hospital bills. 


View Our nib OSHC Provider Services & Receive Your Policy Certificate Quick

Get a quote for nib OSHC provider services, accept it, pay and get your policy certificate within minutes. 

FAQs About nib OSHC


Does nib OSHC cover dental?

nib OSHC doesn't cover ancillary treatments like dental. Overseas students can get dental covered if they take out Extras covered with nib.


 Does nib OSHC cover eye tests?

OSHC does not cover eye tests. You can take out the Extras cover with a nib if you want an optical cover.


Does nib OSHC cover pregnancy?

Suppose you need pregnancy treatment during your stay in Australia. In that case, nib OSHC will cover 85% of the Medicare Benefits Scheme (MBS) fee for outpatient obstetrics services and 100% of inpatient obstetrics in the hospital. If you are planning on starting a family while in Australia, be aware there is a 12-month waiting period for coverage of pregnancy and birth-related medical services.


What does nib OSHC cover?

nib OSHC covers doctors and specialists, hospital visits, emergency ambulance, prescription medication and prostheses.  

Does nib OSHC cover blood tests?

85% of the MBS fee for a specialist's medical services, e.g., x-rays, blood tests and other pathology services.

Does nib OSHC cover an emergency?

You can claim emergency ambulance transportation and on-the-spot treatment from our recognised providers anywhere in Australia.

How can I apply for nib OSHC?

To apply for nib overseas student health cover, head here.


How to extend nib OSHC?

If you need to extend nib OSHC, contact the team at OSHCfor further assistance.