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 duration	Single ($)	Dual Family ($)	Multi Family ($)
1	55	194	300
2	110	388	598
3	165	581	898
4	220	775	1,197
5	275	969	1,496
6	330	1,163	1,795
7	376	1,326	2,046
8	423	1,488	2,297
9	469	1,651	2,548
10	516	1,813	2,798
11	562	1,976	3,049
12	609	2,138	3,300
13	663	2,309	3,569
14	717	2,480	3,839
15	771	2,652	4,108
16	826	2,823	4,378
17	880	2,995	4,646
18	934	3,167	4,916
19	989	3,338	5,185
20	1,043	3,510	5,455
21	1,097	3,681	5,724
22	1,151	3,853	5,993
23	1,206	4,024	6,262
24	1,260	4,196	6,260
25	1,313	4,343	6,506
26	1,365	4,489	6,753
27	1,418	4,635	6,998
28	1,470	4,782	7,245
29	1,523	4,928	7,492
30	1,575	5,075	7,738
31	1,628	5,221	7,984
32	1,680	5,368	8,230
33	1,733	5,514	8,477
34	1,785	5,661	8,723
35	1,838	5,807	8,969
36	1,890	5,954	9,216
37	1,973	6,839	10,382
38	2,055	7,063	10,748
39	2,138	7,287	11,113
40	2,220	7,511	11,478
41	2,303	7,735	11,843
42	2,385	7,959	12,209
43	2,468	8,183	12,574
44	2,550	8,407	12,939
45	2,633	8,631	13,304
46	2,715	8,855	13,670
47	2,798	9,078	14,035
48	2,880	9,302	14,400
49	2,940	9,496	14,700
50	3,000	9,690	15,000
51	3,060	9,884	15,300
52	3,120	10,078	15,600
53	3,180	10,271	15,900
54	3,240	10,465	16,200
55	3,300	10,659	16,500
56	3,360	10,853	16,800
57	3,420	11,047	17,100
58	3,480	11,240	17,400
59	3,540	11,434	17,700
60	3,600	11,628	18,000
61	3,675	11,870	18,375
62	3,750	12,113	18,750
63	3,825	12,355	19,125
64	3,900	12,597	19,500
65	3,975	12,839	19,875
66	4,050	13,082	20,250
67	4,125	13,324	20,625
68	4,200	13,566	21,000
69	4,275	13,808	21,375
70	4,350	14,051	21,750
71	4,425	14,293	22,125
72	4,500	14,535	22,500
73	4,591	14,801	22,913
74	4,682	15,068	23,325
75	4,772	15,334	23,738
76	4,863	15,601	24,150
77	4,954	15,867	24,563
78	5,045	16,134	24,975
79	5,135	16,400	25,388
80	5,226	16,667	25,800
81	5,317	16,933	26,213
82	5,408	17,200	26,625
83	5,498	17,466	27,038
84	5,589	17,733	27,450
85	5,680	17,999	27,863
86	5,771	18,266	28,275

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.