OSHC Stands for Overseas Students Health Cover

In different countries and regions, the name of overseas student health insurance is slightly different. For example, in Australia, it is called "Overseas Students Health Cover", in the United States, it is usually called "International Student Health Plan/ Coverage", and in Hong Kong, China, it is usually called "Medical Insurance for Non-local Students".

Regardless of the name, the purpose of overseas student health insurance is to ensure that international students have the necessary medical coverage during their studies, avoid the risk of high medical bills due to health problems or accidents, and meet the country's visa and admission requirements.

Generally speaking, schools usually provide insurance plans. At the same time, students can also purchase affordable insurance that meets the school's requirements.

Why choose OSHC.COM?We will introduce and select the most suitable overseas student health insurance for you.

OSHC in Australia

International students are required to purchase OSHC as a mandatory requirement for obtaining a student visa. The insurance must cover the entire study period, including a short period before and after the course.

At the same time, international students can purchase OSHC to guarantee basic medical services (such as doctor visits, hospitalization, and some prescription drugs), reducing the high medical expenses caused by sudden illness or accidents.

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OSHC in USA

Most US colleges and universities require international students (holding F-1 or J-1 visas, etc.) to purchase health insurance, otherwise they cannot register for courses or enroll.

In addition, the United States does not implement universal health insurance, but relies on private insurance and government programs, which leads to a fragmented and diverse system and extremely high medical costs. International students can purchase health insurance to ensure that they can get necessary medical help in a timely manner and reduce the financial pressure caused by unexpected medical expenses.

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OSHC in Hong Kong

Hong Kong universities usually require non-local students to purchase medical insurance to cover medical expenses during their studies in Hong Kong.

Although Hong Kong's medical system is good, the cost is high. Student insurance can provide outpatient, hospitalization and emergency medical services to ensure students can get timely medical assistance.

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OSHC in New Zealand

The New Zealand government requires international students to purchase medical and travel insurance as a condition of their student visa. The insurance must cover the entire study period, including medical expenses for accidents and illnesses.

New Zealand's public health system does not cover international students, and students must obtain services through private insurance to cope with various accidental and disease risks, and obtain timely medical treatment and financial compensation.

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News Center

2025 Australian Student Visa Latest Requirements

Australia

In the latest visa policy, students are required to fill in a new GS requirement form, which has higher requirements for international students' English proficiency. It is still a necessary condition for visa application that students must continue to participate in OSHC throughout their study period in Australia.

NYU New York University 25-26 academic year insurance requirements

USA

NYU's annual premium for the 25-26 academic year is $5,099, a $409 increase from last year. NYU allows students to use qualified international student-exclusive medical insurance to replace the school insurance waiver (Waive). The deadline for insurance waiver for the fall 2025 semester is September 30, 2025.

HKU's medical insurance requirements for non-local students

HongKong

HKU provides group accident insurance and travel insurance for students, but strongly recommends that non-local students supplement their own medical and hospitalization insurance to obtain more comprehensive protection. Non-local students should pay special attention to initial protection to ensure financial security.

New Zealand Government Health Insurance Requirements for International Students

NewZealand

The University of Auckland requires all international students to hold health and travel insurance for the duration of their studies. The University has partnered with other insurance providers, and students may choose to purchase other insurance that meets these requirements, but they must apply for an exemption. The deadline for insurance exemption applications for the fourth quarter of 2025 is September 26.

Ireland Government Health Insurance Requirements for International Students

Ireland

Where a non-EEA student intends staying in Ireland for more than one year, and where they were covered by travel insurance for the first year, that student is required to source private medical insurance for their second and any subsequent years.At second and subsequent registrations travel insurance will not be regarded as sufficient for the purpose of registration.