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Insurance Services

Insurance Services

Achievement Education understands that health and well-being are the two most important parts of life. These are essential for every international student and visitor who is enrolling in Australia. Therefore, our consultancy (Achievement Education) offers guidance and support for Overseas Student Health Cover (OSHC) and Overseas Visitor Health Cover (OVHC). These services ensure that you are always well protected during your stay as well as fulfill all the visa requirements. 

What is OSHC (Overseas Student Health Cover)?

The OSHC stands for Overseas Student Health Cover which is a specific type of health insurance that is designed specifically for international students who are studying in Australia. Such an insurance service is compulsory for most student visa holders (subclass 500). It should be kept intact for the entire period of the student visa as per Visa Condition 8501.

The OSHC service works like a safety net for foreign international students, allowing them access to affordable healthcare without any risk of getting into financial trouble. This insurance service normally offers coverage for basic necessities such as consultation with doctors, transportation by emergency ambulance, hospital services, and prescriptions. With the help of this OSHC insurance service, students will be able to concentrate completely on their studies and build a good career without worrying about any sudden medical expenses. 

Moreover, OSHC is a visa condition which students must hold valid cover before arriving in Australia. It is important that this service is maintained for the entire period of their study duration as mandated by the immigration department.

Benefits of OSHC (Overseas Student Health Cover)

As OSHC is an essential insurance service for international students enrolling in Australia, it provides several benefits to the students, helping them to access affordable healthcare services and reduce the financial burden of medical expenses. Some of the benefits of OSHC insurance service are mentioned below: 

  1. Access to Essential Medical Services: OSHC covers a large part or all of General Practitioner (GP) charges, specialist consultations, and necessary medical treatments. It ensures that students can access healthcare at any time without paying full out-of-pocket costs.
  2. Hospital and Emergency Coverage: OSHC covers financial costs in case of hospital admission, emergency cases, and ambulance cover.
  3. Prescription Medication Support: Through the OSHC service, international students find it easy to cope with their illnesses since they reduce the financial burden of buying prescription drugs.
  4. Visa Compliance: The OSHC insurance service will allow international students to meet the student visa conditions of Australia and therefore keep them away from any visa-related problems.
  5. Peace of Mind While Studying: Having an OSHC service helps students to fully concentrate on their studies, as it covers most of the medical expenses if they get injured or become ill.

What is OVHC (Overseas Visitors Health Cover)?

OVHC (Overseas Visitor Health Cover) is a private health insurance policy that is designed for an individual who is visiting or staying in Australia on a temporary visa. This service is applicable to working visa holders, temporary skilled migration applicants, working holiday makers, and some visitor visa holders, but not student visa holders. 

Since many temporary visa holders are not eligible for Australia’s public healthcare system (Medicare), the OVHC insurance service covers most of the essential protection against high medical costs. The basic OVHC generally covers emergency ambulance, in-hospital accommodation, medical treatment (doctors/surgeons fees in hospital), and emergency surgery. Meanwhile, the comprehensive plan includes general practitioner visits, prescription medicines, dental care, physiotherapy, optical, and all of the basic packages. 

The OVHC insurance service is more often required for visa compliance under certain visa conditions, i.e., applicants must maintain adequate health insurance during their entire stay in Australia.

Benefits of OVHC

There are various benefits of OVHC insurance service. This service provides essential health insurance for temporary visa holders who are not eligible for Medicare in Australia. Below are some of the benefits of OVHC insurance service for working visa holders, temporary skilled migration applicants, working holiday makers, and some visitor visa holders. 

  1. Protection from High Medical Costs: Hospitals in Australia are very expensive; therefore, holding the OVHC insurance service covers major medical expenses.
  2. Hospital and Emergency Services: The OVHC covers emergency ambulance transport, hospital accommodation, doctors' fee when hospitalized and emergency surgical operation, ensuring every individual receives timely treatment when needed.
  3. Doctor and Specialist Visits: Many OVHC plans include coverage for GP consultations and specialist appointments, helping every visitor get access to regular healthcare services.
  4. Visa Requirement Compliance: Insurance is one of the compulsory requirements for most of the temporary visas in Australia. The OVHC service makes sure that you satisfy all your visa conditions without facing any problems related to immigration regulations.

Achievement Education Insurance Support 

Achievement Education and Visa Service offers both of the insurance services (OVHC and OSHC) in the best way, helping international students and visa holders choose the most suitable health cover based on their visa type and stay duration. We constantly help students to simplify the process so that they can understand their options clearly and make informed decisions. 

Whether you are an international student applying for a visa or a visitor planning your stay in Australia, having the correct insurance is essential for both compliance and well-being.

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