Health Insurance
Introduction
Health insurance is a vital product that helps cover the medical and surgical expenses of an insured person. In Australia, international students and visitors are often required to have specific types of health insurance either OSHC or OVHC depending on their visa type. This coverage helps reimburse medical expenses due to illness or injury, or pays the healthcare provider directly on behalf of the insured individual.
Overseas Student Health Cover (OSHC)
- Australia requires all international students to have Overseas Student Health Cover (OSHC) for the duration of their study period.
- OSHC helps cover the costs of medical and hospital care while studying in Australia, including doctor visits, prescription medicines, and hospital stays.
Coverage Benefits
- OSHC typically provides coverage for essential medical services, including visits to general practitioners (GPs), specialist consultations, hospital treatments, and emergency services.
- It may also include limited coverage for prescription medications, ambulance services, and some allied health services.
Cost and Providers
- The cost of OSHC varies depending on the duration of your study program and the level of coverage you choose.
- Several insurance providers offer OSHC policies approved by the Australian Government, including Allianz Care Australia, nib, Medibank Private, and Bupa.
Visa Requirement
- OSHC is a mandatory requirement for student visa applications in Australia. You must purchase OSHC before applying for your visa.
- Ensure that your OSHC policy covers the entire duration of your student visa, including any additional periods required for travel or other purposes.
Additional Coverage Options
- Some students may opt for supplementary health insurance coverage to complement their OSHC policy, particularly for services not fully covered or for higher levels of benefits.
- Consider additional coverage for dental care, optical services, mental health support, or pre-existing medical conditions, depending on your individual needs.
Renewal and Claims
- Remember to renew your OSHC policy before it expires to maintain continuous coverage throughout your studies.
- Familiarize yourself with the claims process and ensure you understand how to access medical services and submit claims under your OSHC policy.
Student Support Services
- Universities and colleges in Australia often provide support services to help international students navigate the healthcare system and understand their insurance coverage.
- Take advantage of orientation programs, student health centers, and counseling services available on campus to address any health-related concerns.
Overseas Visitor Health Cover (OVHC) for Australia
- Overseas Visitor Health Cover (OVHC) is a type of health insurance specifically designed for international visitors to Australia. It helps cover the cost of medical treatment and hospital care while you're in the country, ensuring you have access to essential healthcare services without facing unexpected out-of-pocket expenses.
Who Needs OVHC?
- Visiting Australia on a temporary visa
- Not eligible for Medicare (Australia’s public health system)
- Required by the Department of Home Affairs to maintain adequate health insurance during your stay
Why is OVHC Important?
- Ensures you’re protected in case of unexpected illness or injury
- Helps cover doctor visits, hospital stays, ambulance services, and prescription medicines (depending on your plan)
- Provides peace of mind during your stay
- Is often a mandatory requirement for visa approval
What Does OVHC Typically Cover?
- Doctor/GP visits
- Hospital accommodation
- Emergency ambulance
- Day surgery procedures
- Prescription medications
- Pregnancy & maternity care (optional)
- Optical & dental care (optional)
OVHC Providers in Australia
- Bupa
- Medibank
- nib
- ahm
- Allianz Care Australia