If you are planning to study in Australia, it is essential to know about the health insurance requirements for international students. Health insurance is mandatory for all international students in Australia, and visa holders are required to have health insurance for the entire duration of their stay in the country. Here is some essential information every Australia student visa holder needs to know about health insurance.
Why is health insurance required for international students?
International students are not eligible for Australia’s public healthcare system, Medicare. Without health insurance, international students might end up paying a lot of money out-of-pocket for medical expenses, which can be quite costly in Australia. Therefore, health insurance is mandatory for all international students. It provides coverage for medical expenses, hospitalization, and emergency health services during their stay in Australia.
What kind of health insurance do international students need?
International students need to have Overseas Student Health Cover (OSHC) when studying in Australia. OSHC is a type of health insurance that has been specifically designed for international students and is offered by a variety of insurance providers in Australia. It is essential to choose an OSHC policy that suits your individual needs and budget. You can compare and purchase OSHC policies online.
How much does OSHC cost?
The cost of OSHC varies depending on the insurance provider and the duration of your stay. Generally, the cost of OSHC ranges between $500 and $800 per year. However, the cost may be higher if you decide to include additional coverage, such as dental, physiotherapy, and optical benefits.
When should you purchase OSHC?
You should purchase OSHC before you arrive in Australia. You will be required to provide proof of health insurance at the time of your visa application. You also need to renew your OSHC policy before it expires for the entire duration of your course of study in Australia.
What does OSHC cover?
OSHC provides coverage for both in-hospital and out-of-hospital medical services such as visits to general practitioners, specialist appointments, and hospitalization. It also covers emergency ambulance services, prescription medicine, and some dental, physiotherapy, and optical services. However, it is essential to check the coverage details before purchasing an OSHC policy.
In conclusion, health insurance is mandatory for all international students studying in Australia. It is essential to choose the right OSHC policy that provides adequate coverage for your medical needs and suits your budget. By having health insurance, international students can have peace of mind knowing that they are covered for any unforeseen medical expenses during their stay in Australia.
