Overseas Student Health Cover (OSHC) – Explanatory guidelines for consumers

These guidelines provide information about OSHC including waiting periods, how to buy OSHC, benefit payments, and access to public and private hospitals. This is an accompanying document to the 1 July 2016 to 30 June 2022 deed.


OSHC Explanatory guidelines for consumers

We aim to provide documents in an accessible format. If you're having problems using a document with your accessibility tools, please contact us for help.

Publication date:
Date last updated:
Publication type:
General public

The OSHC guidelines for the 1 July 2016 deed provide information on a range of topics including:

  • who can offer OSHC
  • reciprocal health care agreements
  • OSHC costs
  • how to buy OSHC
  • access to public and private hospitals
  • payment of treatment expenses
  • emergency treatment
  • waiting periods
  • benefit payments and refunds
  • OSHC strategy and policy

The Explanatory Guidelines will be updated following the changes to the 1 July 2022 deed.

Help us improve health.gov.au

If you would like a response please use the enquiries form instead.