GP 01
Doctor visits
Cover for General Practitioner consultations, medical advice and standard follow-up appointments.
Details
Student Services Health Insurance
Health Insurance
(OSHC & OVHC).
Protect your health while you build your future in Australia. Cover that meets visa conditions without unnecessary extras.
- Registered migration agents
- 150+ CRICOS partner institutions
- Offices in Adelaide & Perth
Why Health Cover Is a Visa Condition, Not a Choice.
When you travel to Australia to study or work, securing the right health insurance is essential. International students and most temporary visa holders are not covered by Medicare, which means holding an approved health policy is a visa requirement in its own right.
Sky Consultants helps you choose the right OSHC (Overseas Student Health Cover) or OVHC (Overseas Visitor Health Cover) so you stay protected, meet visa conditions and avoid unexpected medical expenses. We work with trusted provider partnerships and offer honest guidance on what each policy actually covers.
Four Core Areas of Protection.
A standard OSHC policy covers these four areas across the length of your student visa.
Hospital 02
Hospital treatment
Financial protection for stays and treatment in public or private hospitals as a private patient.
Details
Ambulance 03
Emergency ambulance
Full cover for medically necessary emergency transport services across Australian states.
Details
Pharmacy 04
Prescription medications
Benefits toward a defined list of prescription medicines dispensed by pharmacists on a doctor script.
Details
Which Policy Fits Your Visa.
OSHC is designed for student visa holders and must be maintained for the full length of your visa. OVHC is designed for temporary work, family, visitor and skilled visa holders.
We compare providers on price, hospital network, waiting periods and claims process, then handle enrolment and renewal so your policy never lapses mid-visa.
Policy Figures.
- Single OSHC per year
- from AUD 550
- Couple / family OSHC
- from AUD 2,400
- Approved providers
- 5 major insurers
Frequently Asked Questions.
What is the difference between OSHC and OVHC?
OSHC (Overseas Student Health Cover) is mandatory for subclass 500 student visa holders. OVHC (Overseas Visitor Health Cover) is designed for holders of temporary work, family and visitor visas that are not eligible for Medicare or a reciprocal health arrangement.
How long must my policy last?
OSHC must cover the entire duration of your student visa, including school breaks. OVHC policies are typically taken for the length of the underlying visa. Lapses can breach visa conditions, so we schedule renewals well before expiry.
What does a standard OSHC policy cover?
Doctor visits, in-hospital treatment as a private patient in a public or private hospital, emergency ambulance transport and prescription medicines up to defined benefit limits. Optional extras cover dental, optical and physiotherapy at higher premiums.
Who does the OSHC and OVHC service cover?
Single applicants, couples and family policies that include a partner and dependent children. Family cover is required if dependants are named on the visa, and we help match provider tiers to Home Affairs' minimum policy requirements.
How much does OSHC cost per year?
Single OSHC starts from around AUD 550 per year, with couple and family cover starting from around AUD 2,400 per year depending on provider and tier. Premiums are set by the five approved Australian insurers and updated annually.
Can you handle enrolment and renewal for me?
Yes. We compare providers on price, hospital network, waiting periods and claims process, handle enrolment before your visa lodgement, issue the Certificate of Insurance for your application and manage renewals so your cover never lapses mid-visa.
Start Your Australian
Chapter With Confidence.
Talk to a registered migration agent about student visas, PR pathways or admissions. First consultation is complimentary — and honest.