Doctors & specialists
Your nib OSHC can help pay for eligible appointments with GPs and medical specialists.
Visa-compliant health cover designed to help international students manage medical and hospital costs while studying in Australia.
nib OSHC helps with eligible medical treatment during your studies, including accidents, injuries and illnesses. Always check the benefits included in your specific product.
Your nib OSHC can help pay for eligible appointments with GPs and medical specialists.
Eligible benefits are available for hospital accommodation and medical treatment for services included in your cover.
nib covers medically necessary emergency ambulance transport and treatment, subject to policy conditions and applicable state arrangements.
Your cover can help with the cost of some prescription medicines, subject to the applicable pharmaceutical benefits and limits.
Depending on the service and your cover, benefits may be available for pathology, radiology and MRI services.
Eligible in-hospital services can include prostheses and a range of covered medical procedures, subject to the product rules.
nib provides digital services designed to help international students access care and manage their cover in Australia.
Manage your policy, use your digital card for claiming and access nib health services from your mobile.
Eligible OSHC members with GP benefits can access Australian-based telehealth GPs, with eligible appointments fully covered through nib's medical partners.
Use nib's provider network to locate healthcare professionals and understand your options before receiving treatment.
The nib App includes a symptom checker that can help you decide when to seek medical attention.
nib's current OSHC information identifies several areas that are not paid under standard OSHC. Your exact exclusions depend on your product.
Standard OSHC does not generally pay for extras such as routine dental and optical services.
OSHC is designed for eligible healthcare while you are in Australia.
Services outside the Medicare framework may not attract an OSHC benefit unless specifically included.
Personal or non-essential hospital items are not generally covered.
Waiting periods can apply before you are eligible to claim certain benefits. nib also states that waiting periods already served on equivalent Australian cover can be recognised when switching.
Read our OSHC waiting periods guide →nib states that your OSHC visa certificate is emailed after approval and may be issued within minutes.
Use the nib App and online member services to manage your cover and submit eligible claims.
nib can recognise waiting periods already served on equivalent Australian health cover, subject to its switching requirements.
Before planned treatment, confirm that the service is included and ask about potential out-of-pocket costs.
Yes. nib states that its Overseas Student Health Cover is designed to meet Australian student visa health insurance requirements.
nib lists doctors and specialists, eligible hospital treatment, emergency ambulance, prescription medicines and other eligible medical services such as pathology and radiology among the areas its OSHC can help pay for.
Yes. nib states that its overseas covers include emergency ambulance benefits, subject to policy conditions and state ambulance arrangements.
nib provides GP telehealth for OSHC members whose policy includes GP benefits. Eligible appointments booked through nib's medical partners can be fully covered.
Yes. nib says members can use the app to manage their policy, use a digital card for claiming and access health and wellbeing services.
nib identifies Extras services as generally not paid under standard OSHC. Check whether separate or additional cover is available if you need dental, optical or other Extras benefits.
nib states that it will recognise waiting periods already served on equivalent cover when switching, subject to its rules and evidence requirements.
Yes. Benefits, limits, exclusions, waiting periods and services can change and can differ by product. Review the current nib OSHC information and fund rules before purchasing.
Eligible hospital accommodation and medical treatment can be covered when the service is included under your nib OSHC product. Check the applicable product rules and possible out-of-pocket costs before planned treatment.
nib OSHC can help with eligible prescription medicine costs, subject to the pharmaceutical benefits, limits and conditions applying to your cover.
Benefits may be available for eligible pathology, radiology and other diagnostic services, depending on the service and the terms of your nib OSHC product.
The page currently identifies a 12-month waiting period for other pre-existing conditions. Current nib rules and the circumstances of the treatment apply, so check the latest product information.
The page currently identifies a 12-month waiting period for pregnancy and birth where the service is included. Confirm the current nib terms and ensure your policy duration is suitable for your circumstances.
nib states that the OSHC visa certificate is emailed after approval and may be issued within minutes. Keep the certificate available for your visa and enrolment records.
Yes. The amount paid can depend on the provider, service, applicable benefit and policy rules. Ask the healthcare provider about fees and check your nib benefits before treatment where possible.
Get a current nib OSHC quote for your required dates and circumstances.