If you plan to study or do an internship in a company abroad, be aware that you will not be covered by your insurance at home. It is, therefore, necessary to take out health insurance abroad covering you for the entire period of your studies, your internship or your language course. This article will help you to understand all aspects of international student insurance in Australia.

Why do you need Health Insurance as a Student?

When you leave the European Union, you are no longer covered by your system of Social Security. Depending on your country, you will have to pay all the medical costs upfront and then submit a request for reimbursement which will be lump sum and you only get a certain part refunded.

Regardless of the country where you will study or do an internship, medical care in case of health problem or accidents can quickly reach enormous amounts. Therefore, it is important to go with a health cover that will financially protect you.

Study within the European Union

Before departure, make an application to obtain the European health insurance card (EHIC). This one certifies your rights to health insurance. This way you will receive medical care in the country of your stay *. The application of the EHIC must be made to your Health Insurance Fund.

* The law varies depending on the country, check before you leave.

What if you are going to a country outside the European Union?

You will need complementary health insurance. These insurances complete your home coverage. In some countries, such as Australia, you will need to take out additional health insurance to obtain your student visa. In this case, you can choose to join a private insurance provider.

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The mandatory health insurance in Australia OSHC

International students undertaking formal studies in Australia, and their dependants (for example, partners and children under 18 years old), must obtain OSHC. OSHC Insurance (Oversea Student Health Cover) is mandatory for international students in Australia. It is essential if you want to obtain your student visa. You should know that an OSCH insurance covers at least the rates agreed by Medicare, the Australian health system. This means that this type of insurance does not cover all health costs. As in your home country, the cover has its limits.

Here’s what OSCH insurance covers and some tips:

In case of illness or injury
If you get sick or injured in Australia, you make an appointment with the GP – General Practitioner. If you don’t want to pay for your visit out of your pocket, pay attention to the practices you will be visiting. They must be labelled “Bulk Billing” so that you do not have to pay the medical fees or you can get a full refund.
For medicines, you are covered for an annual amount of AUD 300. On the other hand, the cost of your meds should not exceed AUD 50 for it to be fully supported.
Hospital treatments
You are covered in public hospitals in a shared room and for administered medical treatments. Ambulance fees are also included.

In summary, OSCH is the minimum of health coverage. It does not cover important care, such as the repatriation, the support of appointments with medical specialists, etc…

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After a long stay in Australia, we founded Black Bird, a company specialized in travel insurance. Our mission is to inform and help young travellers in their insurance choices (advice, tips, comparisons etc). If you have any particular questions, do not hesitate to contact us directly by email. Contact: infos.blackbird@gmail.com. RCS no. 833 461 403. Insurance intermediary registration number: 18000657 (ORIAS - Banking and Finance Intermediaries)