If you’re an international student planning to study in Australia, it is essential to have health insurance in place. Having the right health insurance will give you peace of mind and ensure that you have access to quality healthcare when you need it most.
Australian student visa holders are required to have Overseas Student Health Cover (OSHC). This is designed to help cover the cost of medical treatment and hospitalization while studying in Australia. However, with so many different options available, it can be challenging to know which one is right for you.
In this comprehensive guide, we will give you the information you need to make an informed decision.
What is Overseas Student Health Cover (OSHC)?
OSHC is a type of health insurance designed specifically for international students studying in Australia. It covers the cost of medically necessary treatment, including doctor visits, hospitalization, and emergency services.
The Australian government requires all international students to have OSHC as a condition of their student visa. You will need to maintain your OSHC for the entirety of your stay in Australia.
What does OSHC cover?
OSHC covers the cost of medically necessary treatment, including:
– Doctor visits
– Tests and scans
– Hospitalization
– Emergency ambulance services
– Prescription medicines
– Mental health treatment
It’s important to note that some services may not be covered by OSHC, such as dental care and pre-existing medical conditions. It’s essential to read your policy carefully to understand what is and isn’t covered.
How much does OSHC cost?
The cost of OSHC varies depending on the insurer, the length of your stay, and the level of cover you choose. On average, OSHC costs around $500-$600 per year, but this can go up or down depending on your circumstances.
You can compare different OSHC policies and prices on the Australian Government’s OSHC comparison website.
How to choose an OSHC policy?
When choosing an OSHC policy, consider the following:
– What level of cover do you need? Consider things like your age, overall health, and any pre-existing conditions.
– How much are you willing to spend? The cost of OSHC varies depending on the insurer and the level of cover you choose.
– Is the insurer reputable? You want to choose an insurer that has a good reputation and is financially stable.
– How easy is it to make a claim? Look for an insurer that offers easy-to-use online services and claims processing.
It’s essential to take the time to compare different OSHC policies and prices to find the right one for your needs.
In summary, having health insurance is an essential and mandatory requirement for international students studying in Australia. When choosing an OSHC policy, consider the level of cover you need, how much you’re willing to spend, and the reputation of the insurer. By doing your research, you can find the right policy that gives you peace of mind and ensures that you have access to quality healthcare when you need it most.