An international student's journey in Australia involves more than just academics and adventures. Ensuring a safe and healthy stay is as crucial as achieving your educational goals. As one of Australia's leading Migration and Education Consultants, we're here to guide you through the intricacies of acquiring the appropriate health insurance.
As an international student in Australia, Medicare coverage isn't available to you. Instead, you'll need an Overseas Student Health Cover (OSHC) - a special insurance policy covering medical and hospital expenses. This health cover is a mandatory requirement for both the student and any dependents, with the duration coinciding with your academic course. Students attending short courses of three months or less can opt for a tourist visa and a private international insurance program.
Selecting the right health insurance policy can be complex, but we've got you covered. Our team of Migration Consultants in Australia works with popular health insurance providers like BUPA, Medibank, AHM, NIB, and Allianz Care Australia. We'll help you find a policy that suits your needs at a competitive price. However, note that OSHC doesn't cover general optical, dental, or physiotherapy treatments. If these are essential for you, consider opting for OSHC Extras from an Australian private health insurer.
For international individuals planning to visit or work in Australia, an Overseas Visitor Health Cover (OVHC) is crucial. This cover caters to several visa categories, including Visitor, Bridging, Working, and Working Holiday Visas. If you're a recent graduate applying for a Temporary Graduate visa (subclass 485), you'll need to switch from OSHC to OVHC. OVHC policies differ in costs, eligibility, and benefits but generally cover medically-required hospital admissions and a portion of doctor's fees.
Unlike OSHC, OVHC enables the purchase of a general treatment cover, which pays benefits for private practice healthcare services. OVHC policies often have limited pharmaceutical expenses, so selecting the right policy is essential. Remember, while OSHC policies are prepaid for your entire academic duration, OVHC policy costs can be paid monthly.
Bear in mind different institutes might have additional prerequisites. Ensuring all required documents align with your chosen institute's mandates is vital.
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