Topic
OSHC
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The OSHC insurers compared in 2026: who still sells student cover and who does not
A verified list of the insurers currently selling OSHC in Australia, and why the widely repeated six-insurer list is now out of date.
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How much OSHC costs by visa length: comparing 12, 24, 36 and 48-month cover
Why a longer student visa means a longer OSHC premium period, why price per day is the only comparable unit, and how to get a live figure for your exact dates.
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Where your OSHC premium goes: the cost drivers insurers actually price on
The inputs behind an OSHC premium — cover length, insured group, waiting periods, extras and commercial approval — explained without inventing a price.
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Does OSHC cover dental, optical and physio? What extras actually add
OSHC is built on Medicare, so routine dental, optical and physio are not in the base product. Here is what the Deed actually puts in each bucket.
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OSHC for couples and dependants in Australia: compare family cover before you buy
How OSHC family policies are structured for partners and children under the current OSHC Deed, what is identical across every insurer, and where the real differences sit.
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Mental health and OSHC: psychiatric hospital cover, the 2-month wait and telehealth GPs
What OSHC actually pays for psychiatric treatment, why the waiting period is 2 months rather than 12, and where telehealth and emergency care sit.
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Common OSHC mistakes: starting cover late, letting it lapse, and the visa date mismatch
The three OSHC compliance failures that cost students their visa margin, each with the fix and the source that says so.
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Renewing OSHC or buying a new policy each year: what actually changes
Renew, stay or switch — what each option does to your waiting periods, your continuous cover and your money under the current OSHC Deed.
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Single vs family OSHC: does adding dependants actually cost more per person?
How the four OSHC insured group categories are structured and priced, and why a family policy is one policy rather than several separate ones.
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OSHC for students with children: cover for dependants under the current Deed
What the OSHC Deed requires when a student brings dependant children, how the insured group categories work, and what actually changes for your family.
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Visa condition 8501 explained: what adequate health insurance means and what Home Affairs checks
What visa condition 8501 actually requires, which cover types satisfy it, and how to keep proof of your health insurance continuous.
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Visa extension: do you need new OSHC or can you extend your existing policy?
What happens to your OSHC when a student visa is extended, when cover must run to the new expiry date, and how the Deed's refund schedule handles extensions.