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Insurance For Australia


Australia features a special insurance coverage for international students called Overseas Student Health Cover (OSHC). OSHC is insurance designed to assist international students cover the prices of medical and hospitalization that they’ll need while in Australia. due to these requirements, it’s important that international students purchase their Australian international student insurance before departing their home country.

Who Must Purchase OSHC?

The Department of Immigration and Citizenship requires that each individuals carrying a student visa and their dependents must maintain OSHC for the complete duration of their time in Australia.

There are a couple of exceptions to the present rule:

Belgians Students

Do not get to purchase OSHC since they’re covered under the Reciprocal Health Care Agreement.

Swedish Students

Do not got to purchase OSHC since they’re covered under the National Board of Student Air or by Kammarkollegiet. If not covered by either, then Swedish international students will got to purchase OSHC.
Norwegian Students

Do not got to purchase OSHC since they’re covered under the Norwegian social insurance Scheme.

Who purchases OSHC?

OSHC is purchased either by your education provider otherwise you can choose your own OSHC approved provider and pay the insurance yourself. It’s important that no matter who purchases it, that you simply maintain continuous coverage for the whole stay in Australia. This especially applies for college kids who are studying through two different institutions who organize the insurance on the international student’s behalf.

Which insurers offer OSHC?

Currently, there are 5 insurers that provide OSHC which may be purchased through your academic institution or directly on your own:

Australian Health Management
BUPA Australia
Medibank Private
Allianz Global Assistance (subcontracted by Lysaght Peoplecare)
nib OSHC

What does OSHC cover?

The OSHC plan is meant to supply coverage for international students seeking treatment at a doctor’s office, hospital, or for limited prescribed drugs . Coverage will vary supported the plan you buy so it’s important to contact each OSHC provider to make sure that you simply get the coverage you would like .

You will want to ask about waiting periods, exclusions, and other limitations on the plan. The OSHC insurance plan won’t cover any treatment arranged beforehand of arrival to Australia, treatment to and from Australia, also as transportation into or out of Australia. OSHC doesn’t typically cover dental, optical or physiotherapy either.

If you are looking for coverage for these events, you will need to shop for a separate private Australian international student insurance plan. Below are three options counting on the sort of coverage you would like .
Emergency medevac & Repatriation of Remains
Trip Cancellation Plan

Travel Medical Insurance

You’ve got OSHC to hide you in Australia, but you would like coverage during your flight otherwise you are getting to visit other international destinations also . After all, New Zealand and Fiji are just round the corner. Consider purchasing an Australian international student insurance in order that you’ll be covered when your OSHC plan stops. Prices on travel medical plans are daily rated and you’ll apply right online.

Proof of Insurance

When you complete your application, you’ll be asked to supply proof of payment also as confirmation that your OSHC coverage begins once you arrive in Australia.

Updated: February 25, 2021 — 4:26 am

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