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OSHC FAQ for Brazilian Students: Top 20 Questions Answered

The 20 most common OSHC questions Brazilian students ask — answered clearly with specific prices, timelines, and provider details.

Fala, galera! If you’re a Brazilian student heading to Australia, OSHC é obrigatório — no exceptions. You’re probably used to direct access to specialists through Unimed or Amil, but Australia works differently. Every day at UNILINK we hear the same worries, so we’ve answered the 20 questions that matter most to you. Vamos lá.

Quick Reference: Key Takeaways

• OSHC is mandatory for your student visa — you can’t skip it.
• Cheapest single cover in 2026: Allianz Essential $490/year, AHM $500, Medibank $520, nib $550, Bupa $560.
• Dental is not covered — budget separately.
• You usually need a GP referral to claim for a specialist.
• If your GP doesn’t bulk-bill, expect a gap of $30–$50.
• Mental health: up to 10 psychology sessions/year with a Mental Health Treatment Plan.
• Pregnancy covered after a 12‑month waiting period.
• Ambulance: covered for emergencies Australia‑wide.
• No suspension when you go back to Brazil for férias — your policy keeps running.
• Extending your visa? Extend your OSHC to match the end date exactly.

OSHC Costs & Providers

Q: How much does OSHC cost for a single student?
For a 12‑month single policy (subclass 500), current prices are: Allianz Essential $490, AHM OSHC $