Australian Healthcare for Students: Essential Information

Australia is a popular choice for international students, known for its excellent education and vibrant cultural experiences. A key aspect of preparing for your studies is understanding the healthcare system and how it applies to you as a student. This guide offers important information about healthcare in Australia, helping you ensure a healthy and stress-free stay. 

Overview of the Australian Healthcare System 

Australia has a renowned healthcare system that combines both public and private services to provide comprehensive care. The public system, known as Medicare, offers free or subsidised treatment to Australian citizens and permanent residents. However, international students are typically not eligible for Medicare, meaning that obtaining alternative health coverage is essential. 

Overseas Student Health Cover (OSHC) 

Mandatory Health Insurance 

All international students in Australia must have Overseas Student Health Cover (OSHC) for the duration of their student visa. OSHC helps you meet the costs of medical and hospital care you may need while in Australia. 

What Does OSHC Cover? 

Doctor Visits: Consultations with a General Practitioner (GP). 

Hospital Services: Inpatient care, surgeries, and emergency services. 

Prescription Medications: Partial coverage for prescribed medicines. 

Ambulance Services: Emergency transportation. 

Choosing an OSHC Provider 

Several government-approved OSHC providers offer different levels of coverage. It’s important to compare policies to find one that suits your needs and budget. 

Where can I purchase OSHC? 

Only a few registered health insurers provide OSHC. To compare plans and prices, you can visit the following websites: 

- ahm OSHC 

- Allianz Care Australia (Peoplecare) 

- BUPA Australia 

- CBHS International Health 

- Medibank Private 

- NIB OSHC 

What is the cost of health insurance for international students in Australia? 

Usually the health care in Australia for international students costs around 55 AUD per month, so it is very affordable. 

Additional Health Insurance Options 

While OSHC covers basic medical services, it doesn’t include extras like dental, optical, or physiotherapy. You may consider purchasing: 

Extra Health Cover: For services not covered by OSHC. 

Travel Insurance: To cover lost luggage or travel-related issues. 

Accessing Healthcare Services 

Finding a Doctor: You have the freedom to choose any general practitioner (GP) or medical centre, but it's important to confirm that they accept your Overseas Student Health Cover (OSHC) card. Many universities also offer on-campus health clinics tailored specifically for students. 

Emergency Services: In an emergency, dial 000 for ambulance, police, or fire services. While emergency care is available at public hospitals, fees will apply if you do not have OSHC coverage. 

Mental Health Support 

Studying abroad can be challenging, and Australia offers various mental health resources: 

University Counselling Services: Free or low-cost support for students. 

Community Services: Helplines and support groups are available nationwide. 

Healthcare Costs 

Understanding Out-of-Pocket Expenses 

Gap Fees: The difference between the medical fee and what OSHC covers. 

Medication Costs: OSHC covers part of prescription costs; you pay the rest.