What is not covered in Overseas Student Health Cover (OSHC) - Year 2026?

Jan 07, 2026  /
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If you’re planning to study in Australia, you’ll need Overseas Student Health Cover (OSHC) to meet your student visa requirements. OSHC helps cover important medical costs while you’re in Australia—but many students don’t realise that basic OSHC does not usually cover dental or optical services.

This means things like dental check-ups, tooth pain, eye tests, glasses, or contact lenses are often not included unless you choose extra cover. For students staying in Australia for a long time, these costs can add up quickly.

What Does OSHC Usually Cover?

Standard OSHC generally includes:

  • Visits to a doctor (GP)
  • Medical tests such as Radiology and Pathology
  • Hospital treatment
  • Some specialist consultations
  • Partial cover for prescription medicines
  • Emergency ambulance services

However, routine dental treatment and optical services are not covered under basic OSHC.

Why Dental & Optical Cover Is Important

While studying in Australia, you may need:

  • A dental check-up or filling
  • Treatment for tooth pain or infection
  • An eye test
  • New glasses or contact lenses

Without extra cover, you may have to pay the full cost yourself, which can be expensive.

What Are OSHC Extras?

Most OSHC providers—such as nib, Allianz Care, Bupa, Medibank, and ahm—offer Extras cover that you can add to your OSHC policy.

Dental Extras Usually Include:

  • General dental check-ups
  • X-rays
  • Fillings and extractions
  • Minor dental procedures

Optical Extras Usually Include:

  • Eye tests
  • Prescription glasses and frames
  • Contact lenses

Most policies have yearly limits, usually:

  • Dental: around AU$400–AU$600 per year
  • Optical: around AU$150–AU$250 per year

Waiting periods often apply:

  • Around 2 months for dental
  • Around 6 months for optical

Things to Watch Out For

Before choosing Extras cover, keep in mind:

  • Annual limits: Once you reach your limit, you pay the rest
  • Waiting periods: You can’t claim straight away
  • Excluded services: Cosmetic or major treatments aren’t covered
  • Provider networks: Using preferred dentists or optometrists’ helps reduce costs

Tips for Choosing the Right Cover

If you plan to stay in Australia for more than one year:

  • Compare OSHC and Extras together before buying
  • Choose a mid-level plan for better dental and optical benefits
  • Add Extras early to complete waiting periods sooner
  • Use preferred provider clinics to save money
  • Avoid buying duplicate insurance cover

Is Extras Cover Worth It?

For many international students, yes. Regular dental and eye care can become expensive without insurance. Extras cover helps reduce stress and unexpected medical costs while you focus on your studies.

Compare OSHC Easily

Choosing the right OSHC doesn’t have to be confusing. You can compare OSHC policies from trusted providers and find the best option for your needs at:

www.500visainsurance.com.au

You can also call or send whatsapp message on +61 479 070 270.