If your OSHC policy has expired, you are currently in breach of your student visa. This can have significant consequences for your ability to stay and study in Australia. Furthermore, if you become sick or are injured, you could be liable for very significant medical expenses for which you will not be covered by any insurance.  You should immediately obtain a new OSHC policy. Before doing so, you should of course compare all providers on OSHCAustralia.com.au. All OSHC providers mandated by the Australian Government are compared in the one place. When you find the policy that best suits your needs, you can purchase it immediately. Typically, if a policy is purchased directly from OSHCAustralia.com.au, you will receive your policy within 15 minutes.