Your Overseas Student Health Cover (OSHC) is more than just a visa requirement. It's your safety net while you study and live in Australia. But what if your current provider isn’t meeting your needs?
If you’re looking to save money, upgrade your coverage, or just want better service, you’re not stuck with your original choice. You’re free to change your OSHC provider, as long as you maintain continuous, approved cover.
Keep reading as we walk you through the process of switching OSHC step by step, highlight what to watch out for, and answer some of the most common questions students have about changing providers.
Understanding The Importance Of OSHC For The Duration Of Your Studies
Before you dive into switching providers, let’s explore why OSHC is required in the first place.
If you’re in Australia on a Student Visa (subclass 500), you must maintain valid OSHC for the entire duration of your stay. This isn’t just a good idea for your own health; it’s a legal requirement under your visa condition 8501.
Without a valid OSHC policy:
- You could breach your visa conditions.
- Your visa could be at risk.
- You’d need to pay full cost for medical care, which can be very expensive in Australia.
So, while you can change your OSHC provider, you can’t go without cover.
How To Change Your OSHC Provider
If you’ve decided to switch providers, here’s a step-by-step guide to help you make the transition smoothly:
1. Start by comparing policies and premiums from different OSHC providers. Look at what’s covered, the cost of the policy, and customer service reviews. You can compare providers easily at OSHC Australia.
2. Once you’ve chosen your new provider, purchase your new OSHC policy. Make sure the new policy starts on the day your old policy ends to make sure there are no gaps in your cover.
3. After your new policy is confirmed, contact your current provider to cancel your existing policy. You’ll need to provide proof of your new OSHC to avoid any confusion. Some providers may charge a small cancellation fee, so it’s wise to check the terms and conditions.
4. Keep all emails, receipts, and certificates of cover from both providers. You may need to show proof of continuous cover to your education provider or the Department of Home Affairs.
Things To Consider When Changing Your OSHC Provider
Why would you want to change your provider in the first place? Here are some common reasons students decide to switch OSHC providers:
- Cost savings: You may find a more affordable policy that still meets your needs.
- Better coverage: Some providers offer more comprehensive inclusions, like mental health support.
- Improved customer service: If you’ve had a bad experience with your current provider, switching could mean better service.
- Personal circumstances: Your health needs or study duration may have changed, and another provider might suit you better now.
Whatever your motivation, make sure to consider all factors — not just the price — when choosing your new policy.
Frequently Asked Questions
Can I Change My OSHC Provider In The Middle Of My Cover?
Yes, you can. Many students switch providers mid-policy if they find a better deal or their needs change. However, some providers charge a cancellation fee if you leave mid-term, and you must show proof of a new policy starting immediately after the old one ends. Always check the terms of your current policy before cancelling.
Can I Change My OSHC Provider At The End Of My Cover?
Absolutely. If your policy is about to expire, this is the perfect time to shop around and find a provider that better suits your needs. At the end of your current cover, there are no cancellation fees. Simply purchase a new policy and let your old one expire.
Will Changing My Providers Affect My Student Visa?
No. As long as you maintain continuous OSHC with an approved provider, your visa won’t be affected. In fact, it’s your responsibility to make sure your cover is valid at all times.
Only certain health insurers are authorised by the Australian Government to provide OSHC. The five approved providers are:
Changing your OSHC provider doesn’t have to be stressful. In fact, it could save you money and improve your coverage. By understanding your obligations, comparing your options, and following the correct steps, you can switch with confidence.
