ahm Overseas Student Health Cover
Find health cover to match your needs while you're in Australia, plus take out Overseas Student Health Cover and receive your visa health insurance certificate as soon as you purchase online.
Applying for Overseas Student Health Cover with ahm is easy
Apply for cover
If you don't have cover, apply for cover here.
In Australia?
If you have arrived in Australia and bought cover previously from overseas, activate your membership here.
Start using your cover
If you purchased your cover in Australia or activated your account, you can log in now.
Join the largest and fastest growing OSHC insurer in Australia. Medibank and ahm OSHC are helping protect the health of international students across the country.
Based on revenue data from ‘APRA Operations of Private Health Insurers Annual Report’ published December 2025. ahm OSHC is a business of Medibank.
How you can get started
Review your Cover
Not in Australia yet and want to review or change your cover?
Need to re-issue a certificate?
Get rewarded with ahm Student Rewards
As an ahm OSHC member, you’ll enjoy access to major discounts and ever-changing special offers across well-known brands such as Apple, Samsung, Hoyts, Uber and more. You can also enter student online competitions for your chance to win prizes*.
Grab 8 weeks free with eligible Medibank extras.#
Don’t let the cost of dental, optical or physio services keep you from managing your day-to-day health. Join and maintain eligible Medibank extras cover and you’ll get 6 weeks free in your second month, plus 2 more weeks free in your second year. T&Cs apply.# Plus, we'll waive any 2 & 6 month waiting periods.
Use promo code EXTRAS8COVER
ahm awarded Canstar’s ‘Outstanding Value’ for Overseas Student Health Cover (OSHC)
We’re proud to offer health insurance products which deliver outstanding value to overseas students. And we’ve got the awards to prove it.
The ahm OSHC App
Health support anytime, anywhere.
Download our Overseas Student Health Cover app.
Are you an education provider or agent?
Find out more about how you can partner with ahm.
OSHC information & downloads
*For ahm OSHC members only. T&Cs apply. Access the ahm OSHC app to find out more.
#For existing members on ahm OSHC cover who have not held any Medibank health cover that includes extras cover in the last 120 days, who join and maintain eligible Medibank extras cover from 1 May 2025. Must quote promo code EXTRAS8COVER and set up direct debit when joining. Eligible extras cover means Medibank standalone extras policies, excluding Healthy Living Extras. Offer does not apply to combined Hospital & Extras covers, Hospital ONLY cover, Accident ONLY cover, Ambulance ONLY cover, Overseas Visitors Cover (OVC), Working Visa Health Insurance covers, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available to Medibank employees. Not available with any other offers except the Overseas Retention offer, Students to Workers One Month Free offer and Graduate Worker offer. Medibank reserves the right to amend these Terms and Conditions from time to time.
Weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 14 consecutive months to receive subsequent 2 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 2 weeks free will be applied at the next billing cycle after you have held eligible cover for 14 months. The initial 6 weeks free and/or the subsequent 2 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.
2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you've used any of your current limits (at that fund), that will count towards your annual limits with us. If you’ve reached your limits at your previous fund, you may not be able to claim straight away on extras.