Students planning to study in the colleges of Australia must have to undergo various processes such as select courses, university, apply, write visa letters, accept the offer, and depart. Along with these processes, there are few other things to do get admission in an Australian university like writing SOPs and taking health insurance as these are quite important documents asked by foreign universities.
Generally, health insurance covers the medical expenses of a student. It reimburses the lump sum amount incurred by a student in injury or illness or pays the expenses to the care provider of the student. It is important to have health insurance for students studying at an Australian university. Thus, it is important to get an international student health insurance willing to pursue their higher education.
Significant Traits of International Student Health Insurance
Apart from offering standard healthcare welfares like prescriptions, hospitalisations, maternity expenses, organized sports, and pre-existing conditions, there are few benefits covered under health insurance are emergency medical repatriation and evacuation which is required by students travelling and studying in an overseas country. Remember that Australian universities can have their insurance requests, thus it becomes important to get in touch with your university before purchasing a health care plan.
Generally, student-centric health insurance plans allow for the monthly premium and typically coverage is renewed up to 4 years. There are also plans like the Student Secure plan that permits students to visit their home country every 3 months of coverage for 15 days and still they get care under this policy.
Family and Dependent Coverage
These types of plans are offered at a higher rate than other plans because of their specialised nature and limited coverage dependents. Thus, students travelling to Australia along with their family may be asked to pay more for this coverage and take benefits of other options including travel medical plans.
Aged-based insurance plan and pricing depends on student’s age and this type of insurance comes under the cheapest health insurance for international students. Premiums depend on the student’s age that can be broken into different coverage levels. It helps students to stay budgeted while being under insurance coverage.
Reasons to get International Student Health Insurance
Overseas students must have an insured health plan until the duration of the course. It might happen that the visa does not require having health insurance, but the university can insist on it. Before getting admitted to Australian college and university, you may request for international health insurance. However, there are different reasons to get insured by availing health insurance. Some of the reasons are –
No government-funded healthcare
More often, it has been seen that no government-funded healthcare is available or valid for overseas students. Additionally, healthcare expenses have a higher rate and it keeps on increasing annually. Thus, if you are not covered under health insurance and if you go for a medical emergency then paying hospital bills can be quite expensive.
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In the absence of a health insurance plan, you will be charged for high doctor fees. Many insurance companies are associated with doctors that permit to pay very few amounts of consultation fees.
Students who already have health insurance also require paying a certain amount at the time of medical emergency. The paid amounts are included deductibles and taxes. However, the amount you will pay is very less as compared to the amount paid by students who do not health insurance.
So these were the important ins and outs of having an international student health insurance in Australia. If you are willing to know more about the best health insurance for international students in Australia, then connect with us immediately. Along with assisting in terms of insurance, we do provide best online academic assistance through online tutoring services for you where you can easily get the best and original document for all your subjects including nursing, healthcare, management, law, statistics, economics, etc.
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Archer Wilson is an academic blogger who has been working with Sample Assignment for over five years, holding a Ph.D. degree in English Literature. Apart from being a blogger, he also works as an Australian academic assistance through online tutoring expert for English in his idle time.
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