Health insurance

It is a condition of your student visa that you have a valid Overseas Student Health Cover (OSHC) for the duration of your student visa. OSHC is the minimum level of health insurance that international students and their dependents are required to purchase. If you need to extend your OSHC (e.g. you fail some units and need to extend your time here), you need to do this directly with the OSHC provider.

Important: Please be aware that if you are here on a visa other than student visa, you are not eligible for OSHC and need to arrange your own health insurance.

Purchase OSHC

La Trobe University has an agreement with Medibank to provide health cover for our international students. If you purchase OSHC through La Trobe University we will advise the Department of Home Affairs on your behalf. Under this agreement, you pay the OSHC premium for the entire length of your course with your first instalment of tuition fees. This means that you are covered from the day you arrive in Australia.

You also have the option to arrange your own OSHC policy from any government-approved OSHC provider.

Exceptions: You do not need OSHC if you are:

  • a Norwegian student covered by the Norwegian National Insurance Scheme
  • a Swedish student covered by CSN International or Kammarkollegiet
  • a Belgian student covered under the Reciprocal Health Care Agreement with Australia.

Some countries have a reciprocal health care agreement with Australia and have access to additional services covered by Medicare on top of their compulsory Overseas Student Health Cover. To check your eligibility visit the Department of Human Services.

If you are eligible you will need to visit any Centerlink - Medicare office with your passport and visa to organise your reciprocal health care card.

OSHC fees

OSHC by Medibank 2019 fees are listed below. Rates may be subject to change without notice.

Month durationSingleCoupleFamily
6 months$300.00$1,068.50$1,649.50
12 months$600.00$2,137.00$3,299.00
2 years$1,248.00$4,260.00$6,407.00
3 years$1,873.00$6,391.00$9,610.00
Single membershipCovers the student only.
Couple membershipCovers the student and their spouse/partners as listed on the student's visa.
Family membershipCovers the student visa holder, and their dependants (such as their spouse/partner, and any dependent children) as listed on the student's visa.

For single semester students (e.g Study Abroad and Exchange students), you are required to purchase at least seven months duration of OSHC. For more information, refer to the OSHC by Medibank premium rates.

What is covered?

It is important that you read the OSHC Brochure – the policy document and members guide for more details on eligibility, periods of cover, general exclusions, benefits payable and more.


Conctact your OSHC provider

Client service office from Medibank and Allianz Global Assistance are closed temporarily at Melbourne Campus. Refer to the information below:

OSHC ProviderDate and TimeLocation
MedibankUnder ReviewTBA
Allianz Global AssistanceUnder ReviewTBA

Note: When your OSHC Representative is unavailable you can contact Medibank by email Devang.Vedant@medibank.com.au via Smartphone app (download "Medibank OSHC App" from Apple/Google Play Store) or contact the student support line on 134 148 or phone 1800 887 283 any time, day or night.

For international students at La Trobe's regional campuses please visit a Medibank Branch or call 1800 887 283.

If your OSHC provider is Allianz, phone them on 13 67 42 or email on oshc@allianz-assistance.com.au for general enquiries.


Accessing medical services

In the first few weeks after your arrival, we recommend you find a medical clinic close to your campus or accommodation. Keep a note of their contact details so you can easily make an appointment when you need to do so.

Download the Medibank OSHC App to your smartphone to assist with finding your nearest doctor who is partnered with Medibank, making claims for most medical services, viewing your digital membership card and more. You’ll need to activate your membership once you arrive in Australia, which can be done via the Medibank OSHC App or Online Member Services at medibankoshc.com.au/oshcactivate

In Australia, the local doctor is called a GP, or a General Practitioner, and is usually your first point of contact if you get sick. GPs treat minor medical issues such as stomach aches, cough or a fever. They can also prescribe medicine to treat your condition or refer you for a blood test, x-ray or to a specialist doctor if you need one.

A pharmacy (drug store), also known as a chemist, is the place to go if you need to get medication. Some medication can only be bought if you have been given a prescription from a doctor (GP or specialist).

Unless it is an emergency, you should consult a doctor or GP in a clinic, not in a hospital.

For emergencies where there are immediate danger and police, fire or ambulance is required, call 000.

Medibank students are supported around the clock with telephone access to health advice from a registered nurse, counselling services, interpreter services, living in Australia support and more via Medibank’s 24/7 Student Health and Support Line.

Call 1800 887 283 any time, day or night.

Important: Please note that not all the listed clinics are "bulk-billed", in some cases you may need to pay a small upfront fee (gap fee), which you cannot claim. It is suggested that you contact your preferred clinic beforehand to confirm if a gap fee will be charged.

On-campus Medical Centres that offer bulk billing to La Trobe International Students:

To access their services, please provide your up-to-date OSHC card or policy and your student ID card.


24/7 Student Health and Support Line

You are supported around the clock with access to health advice from a registered nurse, counselling services, interpreter services, living in Australia support and more. Call 1800 887 283 any time, day or night.

Medibank OSHC Ambulance Cover

Medibank OSHC pays 100% of cost for ambulance call-outs or emergency transportation to a hospital where immediate professional attention is required.

Did you know?

The Medibank multilingual customer service team is fluent in a dozen languages, along with access to telephone interpreter services in over 160 languages.