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Standard OSHC is designed for medical necessity, not maintenance. By default, the following are not included:
If you don't have "Extras" cover in 2026, these are the average costs you will face at an Australian clinic:
In 2026, you cannot usually "upgrade" your existing OSHC. Instead, you buy a separate "Extras Cover" policy.
You cannot buy insurance after your tooth starts hurting and expect it to be covered. In 2026, standard waiting periods are:
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Best NDIS Agencies for International Students: Sydney & Melbourne 2026
Best NDIS Agencies for International Students: Sydney & Melbourne 2026
Best NDIS Agencies for International Students: Sydney & Melbourne 2026