• All students are required to obtain the minimum health insurance coverage under the OSHC. Although the cost of insurance depends on the requirements and type of coverage, the least possible amount is AUD 480 for a period of 12 months, and this covers one person. For couples, the minimum amount is AUD 3,899 for 12 months, and the same for a family is AUD 6,300 for 12 months.
• The standard health insurance coverage package includes the following;
• Hospitalization (private and public)
• Cost of ambulance
• Cost of doctor and specialist consultation
• Medical tests
• Prescribed medicines

Moreover, as the cost of health insurance under OSHC is eligible for one year. Students extending their stay must get their insurance policy renewed.

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Types of Student Health Insurance to Study in Australia

Overseas Student Health Cover

In Australia, students are supposed to get comprehensive coverage for the time they are staying in the country. There is no other type of insurance, including a group or private insurance policy, that can provide the same coverage and benefits. Students coming from a selected few countries, including the UK, Sweden, the Netherlands, Slovenia, Belgium, Italy, or New Zealand, might not have to get the OSHC cover. Students from these nations can integrate their Medicare policy with Australia’s OSHC. This is dictated by the Reciprocal Health Care Agreements between Australia and the above-listed companies.

In Australia, different insurers provide the OSHC insurance policy;

• Australian Health Management
• BUPA Australia
• Medibank Private
• Allianz Global
• Nib OSHC
• CBHS International Health

Students can get this insurance coverage from different sources. They can avail from their educational institution, directly from the insurer, from a migration agent who has ties with these organizations, and from an education agent, like GoAustralia.

While taking the policy, the best route is to go through an educational agent because all insurance providers cover different aspects. Hence, it's important to note and understand what is covered and what is not covered.

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Private Health Insurance

Another option for a student is to obtain a private health insurance policy, but only when their courses last for a period of three months or less. These students can study, even on a tourist visa, but have to go back within this period. Here, the insurance plan can be tailored according to the student’s requirements.

Why Do You Need Health Insurance?

• First and foremost, health insurance is necessary for students wanting to study in Australia as they won’t get a visa without the same.
• Second, having the required health insurance policy protects you from paying exorbitant medical costs in case of an accident, injury, disease, or illness.
• For treatment in any kind of public or private healthcare clinic or hospital, the students need to show proof of insurance.

GoAustralia Educational Consultancy offers comprehensive assistance concerning the insurance process and the subsequent steps. Our team of experienced counselors will guide you through the procedures, ensuring that you obtain your insurance once you reach there.

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FAQ:

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How much does student health insurance in Australia cost?

The single-student coverage ranges between AUD 480 to AUD 590 for 12 months. The cost can change according to the coverage and benefits included in the policy.

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Which is the best insurance policy for students in Australia?

Students need to get the Overseas Students Health Cover policy, which is mandatory for studying in the country for a period of longer than 3 months.

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For how long is the insurance policy valid?

The OSHC cover is valid for a period of 12 months, and after that, the insured is required to renew the policy.

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How to make the OSHC claim when required?

Students can submit a claim from their health insurance provider. They can send the claim form online or post it to the insurance provider’s address.

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