Cover sorted before the visa is filed.

Most student visas will not be granted without proof of health cover. We work out which scheme applies to your country, compare providers, and get the certificate into your application on time.

Mandatory
for most student visas: Before filing
cover must be in place: Full visa length
cover duration required: Family
cover available: 0
commission taken

WHY IT MATTERS

No certificate, no visa — and the rules differ by country.

Australia requires OSHC for the full length of your visa. The UK charges an immigration health surcharge with the application itself. Canada, the US and much of Europe leave it to provinces, universities or private insurers. We work out which applies to you, compare the policies that actually qualify, and get the certificate into the file on time.

01Scheme matched to destinationOSHC, IHS, provincial and private cover are not interchangeable.
02Compared on cover, not priceWaiting periods and exclusions matter more than the premium.
03Evidence in the right formatThe certificate the visa office expects, accepted first time.

Collegiate gothic building on a university campus

Presenter in front of a room of people with laptops

Cover that satisfies the visa office, bought correctly

Health cover is not an optional extra on most student visas. Australia requires OSHC for the full length of the visa. The United Kingdom charges an immigration health surcharge with the application itself. Canada, the United States and much of Europe leave it to provinces, universities or private insurers.

Buying the wrong scheme, or the right scheme for the wrong dates, means the certificate does not match the application — and that is a refusal or a delay for something entirely avoidable. We work out what applies to you, compare the policies that genuinely qualify, and get the evidence into the file on time.

WHAT WE HANDLE

The right scheme, bought the right way.

Cover is arranged alongside your visa file rather than after it, because the certificate is part of the application.

SScheme identificationWhich cover your destination actually requires

CProvider comparisonWaiting periods and exclusions, not just the premium

PPolicy purchaseBought in your name with the correct start date

ECertificate for the visaIn the format the case officer expects

FFamily coverAdding a spouse or children, and what it adds

RRenewal remindersBefore expiry, if your course or visa extends

When does cover have to be in place?

Before the visa application is submitted, in most cases — not after approval and not on arrival. The certificate or payment receipt forms part of the evidence pack, and an application filed without it is incomplete. The policy start date matters as much as the purchase date. It should cover you from the day you arrive, not the day you bought it, and it must run for the full length of your visa rather than the length of your course. That distinction catches out a lot of self-filed applicants.

USING YOUR COVER

What happens after you land.

Hospital networkKnow where you are covered before you need it

ClaimsWhat to keep and where to submit it

RenewalExtend cover if your course extends

What the visa office checks

Case officers look at a small number of specific things. Each of them is easy to get right and expensive to get wrong.

✓Name matchExactly as it appears on your passport and application
✓Policy durationCovering the full visa period, not just the course
✓Start dateActive from your arrival, with no gap
✓Scheme eligibilityA provider approved for that country's student route
✓Cover levelMeeting the minimum the destination specifies
✓Proof formatA certificate or receipt, not a quotation or a screenshot

COMMON QUESTIONS

Frequently asked questions

Is health cover really mandatory?

For most student visas, yes. Australia will not grant a student visa without OSHC covering the full visa period. The United Kingdom collects the immigration health surcharge as part of the application, which then gives you NHS access. Canada varies by province, and the United States is usually set by the university's own requirement. The only common exception is a short course on a visitor route, and even then travel insurance is worth having.

Can I buy cover after I arrive?