For many students in the Philippines, studying in Australia is like a dream, especially since it provides you access to a first-class world education, various career pathways and high quality of living. One of the first things you need to do before starting your studies is to organise appropriate Overseas Student Health Cover (OSHC).
The recipient of your OSHC is another factor that you have to consider when choosing an OSHC for Filipino students in Australia, but what a lot of people don't realize is that picking the right insurance policy isn't merely a matter of meeting the requirements set by your visa application. This Definitive Guide is to give you an overview of what OSHC really is, why it is important and how Filipino students can compare various providers to get the right policy.
OSHC — Overseas Student Health Cover — OSHC is a health insurance specifically developed for international students studying in Australia. This assists with eligible medical costs while you are in Australia and is a requirement for most holders of an Australian student visa.
Healthcare can be costly in Australia, especially without sufficient health insurance. With OSHC, students benefit from financial protection and reassurance while concentrating on their studies.
Great! If you're from the Philippines & It is for fast processing — if you like to cheque applying for an Australian student visa, you normally need: valid OSHC cover during the length of your ambition to study in Australia.
OSHC helps you:
No matter if you are enrolling in a diploma, bachelors or post-graduate course, having the right health cover is an important part of your study plans.
In terms of healthcare needs, not all students have the same profile, so it's prudent to make a comparison of providers before finalising on that policy.
When comparing OSHC plans, consider:
This just goes to show that the cheapest option is not always the best choice. A provider that has better support and easier claims may well provide more value throughout your stay.
The right type of OSHC depends on who is travelling with you.
Single OSHC
Single OSHC is best for Students traveling to Australia alone. The option with the most popularity covers one international student.
Couple OSHC
Couple OSHC: If you are travelling with a partner or spouse, Couple OSHC covers both individuals on the same policy. It is also easy to get than buying separate health insurance plans.
Family OSHC
If you are moving to Australia with a partner and dependent children, Family OSHC will be better for you. This plan offers health cover for the entire family through a single policy.
Several well-known insurers offer OSHC for international students, including:
Each provider offers different benefits, pricing, and services. Comparing multiple providers helps you choose the plan that best suits your healthcare needs and budget.
Before buying your OSHC policy, keep these tips in mind:
A little research before purchasing can save both time and money later.
Many international students make avoidable mistakes when choosing health insurance.
Try to avoid:
Understanding your policy before arriving in Australia can help prevent unnecessary complications.
Choosing the Best OSHC for Philippine Students Enrolling in Australia The best OSHC is about more than just complying with the visa requirements. Look for a policy that will allow you to access healthcare, make claims and stay supported while in Australia.
At Budget Policy, we assist Filipino students in evaluating the top companies that provide OSHC, what coverage each policy has to offer and help you get a policy that's right for your budget and study plans. You can research and compare providers while making your purchase decision, allowing you to enjoy more peace of mind while studying in Australia.
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