Studying abroad can be overwhelming, especially when studying in your dream country. Now imagine something unexpected happens, and you need immediate care. At a time when you would have been carefree and enjoying your time in your dream place, you have to look after certain things.

There can be a sudden illness or an accident that you have never dreamt of, even in your dreams. With expensive medical care in Australia, it can be challenging to bear the cost. Here comes overseas student health cover, which helps you take care of all your medical needs while in Australia.

Also, any medical need can come at any time to knock on your door. Now, you have to be ready for all the scenarios. Whether you are on a budget or not, with OSHC, you can be tension free of the medical bills and get the required treatment. However, you can only avail of the medical services which are covered under your policy.

In the continuing paragraphs, we will discover OSHC, its essence, and what is covered under it.

Why is Overseas Medical Insurance Essential for Students?

If you travel to Australia on a student visa, you must buy overseas student health coverage for your visa approval. The OSHC policy you buy depends on your medical needs. This means you can buy a basic health insurance plan or the top one that includes extra benefits.

The OSHC policy is applicable until the time you are in Australia. If you have extended your visa, you must also renew your policy. OSHC is an international student health insurance that helps them pay for their medical and hospital bills during their stay in Australia. The students can also avail of ambulance services in case of emergency as well as buy prescribed medicines.

Overseas health insurance for students is essential for two main reasons:

To prevent unwanted medical expenses in a foreign country.
To ensure immediate access to appropriate medical services and medicines.

The OSHC policy pays for various medical services as well as is accepted by many medical service providers. It provides peace of mind and satisfaction that you are being cared for in a foreign country, especially one with high medical expenses.

Many countries do not provide free medical treatment. Therefore, if you are on a budget or cannot afford expensive medical bills, you are at a high risk of facing challenges in paying for your illness or other medical services.

Even a minor injury or common cold can cost you thousands of dollars in Australia. This is why you must buy overseas health insurance so you can avail of medical treatments securely and hassle-free.

How to Buy Overseas Student Health Insurance?

Many universities in Australia ask for a copy of your OSHC policy before your admission. Therefore, ensure you have bought it before you arrive in Australia, i.e., along with your visa application.

Different packages are available out there, and you can choose the one that you find appropriate. Many OSHC insurance providers in the market provide health insurance policies to international students. With a good number of experience and detailed knowledge about this field, they can provide you with the best OSHC.

You can compare the prices and benefits from different providers and make up your mind accordingly. It will save you time and prevent any delay during the process.

What should your OSHC Cover?

Before applying for an OSHC, you must understand your medical needs. Next, decide on the place you want to study in because different places in Australia cater to other medical needs. However, the following is a list of general medical requirements that are covered under overseas student health coverage:

Emergency treatment in the hospital
Emergency services in the hospital
Bills of body check-ups and X-rays
Emergency evacuation or repatriation
Expenses of visiting a doctor or physician
Costs of emergency dental treatment

If you are going through a pre-existing medical condition, for example, diabetes, arthritis, or any heart disease, you must tell your insurance provider. The reason is that your insurance provider will guide you about the policy accordingly, or you might face challenges when availing medical services for your pre-existing condition.

The Final Word

The healthcare system of Australia is expensive and without overseas student health coverage, it will be difficult for you to bear the medical bills. Therefore, it is essential to buy overseas student health insurance before your arrival in Australia.

We at Budget Policy, provide all kinds of health insurance requirements under one roof. Compare the policies depending on your healthcare needs and choose the best fit. Our team of professionals will assist you with everything you need to know about overseas health insurance.

Visit our website and scroll through our different insurance packages. For more information, send us a quote today!