Health Insurance for College Exchange Students

Attending school in another country can be an exciting and fulfilling experience. By living and learning in a different country, you can experience a different lifestyle while expanding your mind. Health issues can arise at any time. To complete your studies without accruing substantial financial fees, you should think about obtaining health insurance. Depending on the location that you are studying in, you may not have a choice.

Foreign Students Attending Australian School

If you are a foreign student attending an Australian university, your temporary student visa will require that you purchase Overseas Student Heath Cover (OSHC). This cover provides hospital and medical treatment, limited pharmaceutical and emergency ambulance service. OSHC does not cover any treatment that is considered an extra. This includes dental, optical, and physiotherapy. You will need to be signed up for OSHC before your visa is granted.

If you want more substantial health cover, you can take out a private health insurance plan to supplement your Overseas Student Health Cover. You can locate more about private health insurance here. As a foreign exchange student you can either acquire OSHC through your university’s Overseas Student Health Cover or you can find your own provider.

Australian Students

Your exchange student requirement will change based on the location that your school is located. When considering attending a school, you should research the requirements. It is always best to assume you will need health insurance. You do not want to be denied access to your school or the country because you did not complete the proper research.

Australian foreign exchange students attending an American school will be required to have health insurance by the school that you choose to attend. Health insurance is mandatory for all students in the majority of United States public and private colleges. You will be automatically enrolled in a health insurance plan which will be a part of your tuition. Australian students can submit a waiver if they would like to seek an alternate insurance plan. Students that are attending the university for one semester can substitute health insurance with travel insurance at some universities.

What if I am from a country with a Reciprocal Health Care Agreements (RHCA)?

The RHCA is a reciprocal agreement between Australia and 11 other countries. This agreement grants Medicare benefits to Australian citizens when they visit one of the 11 other countries included in the RHCA. Likewise anyone from those 11 other countries can visit Australia and receive Medicare benefits. The extent of the Medicare coverage granted by the RHCA depends on the agreement that Australia reached with the other countries. Visitors to other countries on a student visa are not eligible for the RHCA. If you are from or are going to one of the 11 covered countries you will still be required to enroll in the health care required by that country.

Health care can be a vital part of ensuring that your education is a success. More than that, health insurance could be a mandatory requirement for access to the country or school you are attending during your tenure as a foreign exchange student. Therefore, you should always check the requirements before leaving your home country to foreign shores.

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About the Author: Andrew

  • efpierce

    Health insurance is my biggest concern and you have made it not seems to bad after all. I will have to look into those links you listed for us and see what will work out the best for me. I didn’t even want to think about how much of a hassle it would be to get insurance coverage in Australia.

  • You don’t ever want to be anywhere on your own and not have health insurance. Even something as basic as the common cold can set you back financially. Medical expenses are on the rise, health insurance will save you money on the long run.