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Health insurance in Australia for students

International students who wish to study in Australia must need to have a insurance, which is generally called, Overseas Student Health Cover (OSHC). The insurance can be purchase for single person or for family. Generally the students need to buy health insurance for for the whole study period before applying student visa.

When any student will get admission, then the admission office of the respective university will issue eCoE (Electronic Confirmation of Enrollment), which is essential for applying student visa. The eCoE can be issued only after paying the tuition and health insurance fee. The tuition fee coverage and insurance activate information will be on eCoE.

There are so many company from which you can buy insurance. Students can buy health insurance from Allianz Global Assistance. Here is the list for different coverage amount.

Months durationSingle ($)Dual Family ($)Multi Family ($)
155194300
2110388598
3165581898
42207751,197
52759691,496
63301,1631,795
73761,3262,046
84231,4882,297
94691,6512,548
105161,8132,798
115621,9763,049
126092,1383,300
136632,3093,569
147172,4803,839
157712,6524,108
168262,8234,378
178802,9954,646
189343,1674,916
199893,3385,185
201,0433,5105,455
211,0973,6815,724
221,1513,8535,993
231,2064,0246,262
241,2604,1966,260
251,3134,3436,506
261,3654,4896,753
271,4184,6356,998
281,4704,7827,245
291,5234,9287,492
301,5755,0757,738
311,6285,2217,984
321,6805,3688,230
331,7335,5148,477
341,7855,6618,723
351,8385,8078,969
361,8905,9549,216
371,9736,83910,382
382,0557,06310,748
392,1387,28711,113
402,2207,51111,478
412,3037,73511,843
422,3857,95912,209
432,4688,18312,574
442,5508,40712,939
452,6338,63113,304
462,7158,85513,670
472,7989,07814,035
482,8809,30214,400
492,9409,49614,700
503,0009,69015,000
513,0609,88415,300
523,12010,07815,600
533,18010,27115,900
543,24010,46516,200
553,30010,65916,500
563,36010,85316,800
573,42011,04717,100
583,48011,24017,400
593,54011,43417,700
603,60011,62818,000
613,67511,87018,375
623,75012,11318,750
633,82512,35519,125
643,90012,59719,500
653,97512,83919,875
664,05013,08220,250
674,12513,32420,625
684,20013,56621,000
694,27513,80821,375
704,35014,05121,750
714,42514,29322,125
724,50014,53522,500
734,59114,80122,913
744,68215,06823,325
754,77215,33423,738
764,86315,60124,150
774,95415,86724,563
785,04516,13424,975
795,13516,40025,388
805,22616,66725,800
815,31716,93326,213
825,40817,20026,625
835,49817,46627,038
845,58917,73327,450
855,68017,99927,863
865,77118,26628,275

Students can choose different types of cover depending on their need. Some points need to remember,

  1. The benefit which is listed in the Medicare Benefit Schedule (MBS) fee, is for out-of-hospital medical services, say, a general practitioner.
  2. Full MBS fee for in patient medical services, say, surgery.
  3. Accommodation can be in shared ward in public hospital.
  4. Private hospital accommodation can also be possible if there is an agreement between the health insurer.
  5. Day time surgery accommodation facilities may be included.
  6. Services for some prosthetic devices.
  7. May have pharmaceutical benefit up-to AUD 50/item and which may lead to a maximum of AUD 300/item for a year if there is single coverage, for family this can be up-to AUD 600.
  8. May have ambulance services (check with the company policy).

OSHC insurers might also impose of waiting period during their treatment for 1st 12 months of their membership. Check with the company.

Hope these helps. Don’t forget to put comment if anything is required about this post.

Feb 24, 2020bdhimadri

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bdhimadri
February 24, 2020 Uncategorized40
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