OSHC & OVHC Health Insurance — VEM Consultancy
Secure Compliant Health Cover for Your Australia Stay
Health insurance isn’t optional in Australia — it’s a visa condition for most student and temporary visas. At VEM Consultancy, we help you compare, choose, and secure the right health insurance (OSHC or OVHC) quickly and correctly, so you meet your visa requirements and avoid costly mistakes.
This page gives you everything you need to understand your options and get a policy certificate instantly using our integrated health cover portal.
What Is OSHC (Overseas Student Health Cover)?
Overseas Student Health Cover (OSHC) is mandatory insurance for international students studying in Australia. It ensures your access to essential medical services during your stay and satisfies the Department of Home Affairs’ visa health insurance requirements.
With OSHC, you can expect coverage for:
Doctor visits, specialists, and hospital care
Emergency ambulance services
Prescription medicines
Emergency medical treatment
Without valid OSHC, your student visa can be refused, delayed, or cancelled — this risk isn’t worth taking.
Get an OSHC quote and policy instantly below.
What Is OVHC (Overseas Visitor Health Cover)?
If you’re coming to Australia on a temporary visa that isn’t student-specific — such as a work visa, visitor visa, or bridging visa — you’ll likely need Overseas Visitor Health Cover (OVHC) instead of or after OSHC.
OVHC protects you from:
- High out-of-pocket medical costs
- Hospital stays and emergency care
- Medical consultations and tests
- Ambulance services
This is critical because Medicare access is limited or unavailable for many non-citizens in Australia.
Compare OVHC options and get covered — scroll down to start.
How VEM Consultancy Helps You
Buying health cover by yourself can lead to:
- Choosing the wrong policy
- Paying for unnecessary extras
- Missing visa compliance details
We solve this by:
Explaining exactly what type of cover you need based on your visa
Helping you compare top insurers side-by-side
Ensuring your policy meets all visa requirements
Sending your instant policy certificate you can use in your visa application
We work with leading Australian health insurers via our integrated portal, so you get verified, compliant policies without confusion.
Compare & Get Your Policy Below
Step-by-Step
Choose your cover type – OSHC or OVHC
Enter member details – single, couple, family, etc.
Pick start & end dates that match your visa or course period
Get instant quotes from top Australian insurers
Buy and receive your policy certificate immediately
No forms to mail. No waiting weeks. No risk of non-compliance.
Common Questions
Can I extend my existing OSHC?
Yes — use “Extend Policy” in the comparison tool.
Do I need OSHC for my entire visa duration?
Yes. Coverage gaps can lead to visa issues or medical cost exposure.
Can I switch insurers?
Yes — and we help ensure continuous cover without compliance gaps.
Why This Matters
Australia’s visa health requirement (often referred to under visa condition 8501) means you must have appropriate cover for your entire approved stay. Not meeting this can endanger your visa status. Having a correct OSHC/OVHC policy is non-negotiable.
Ready to Get Covered?
Start your health insurance comparison now. Use the tool above to select your plan and get your policy certificate instantly — it’s fast, compliant, and backed by Australia’s leading insurers.
Click Get Quote to compare and get your cover!