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3 tips on how to choose the right health insurance plan before studying abroad

OSHC Students – The preparation process before flying off to study overseas can be both exciting and tedious … There are a lot of details you’ll need to see to! But among the many bits and bolts, you mustn’t overlook getting insurance.

During your studies, you’ll essentially be far away from home and if anything should happen – *knocks on wood* – then at least it’s good to have an insurance plan to fall back on.


There are different types of insurance available to students, but in this article, we’ll be focusing on health insurance for international students.

1. Check the requirements

Insurance requirements will vary between countries and universities, so be sure to check or ask about it if it’s not been made clear to you. Many host countries or institutions will require students to be covered by an insurance plan before they commence their studies. Requirements may also differ depending on the type of visa you’re issued.

2. Do your research and compare plans

Once you have a clear idea of what kind of insurance you’ll need, you can check out your options. It’s not always a case of opting for the plan with the cheapest premium, so be sure to have a look around first and compare plans.

Some important things to consider will be what are the benefits covered and what it is excluded from the plan, as well as the maximum amount that will go towards a benefit. Some of the benefits usually covered in an international student insurance plan include visits to the doctor, hospitalization, prescriptions, emergency medical evacuation, and repatriation. If you’re not sure and need some advice, you can seek help from a licensed insurance agent.


3. Read the fine print

As with anything involving contracts, you should always read the fine print before you sign anything. Health insurance plans often have exclusions (what is not covered in the plan), hidden limits (any limits or sub-limits on coverage), and waiting periods (the amount of time that must pass before a benefit will be covered) for different benefits, so be sure to read your policy carefully. You should also understand how the claims are processed and what they require so that you won’t be confused should you have to do it.

Emma (OSHCstudents) – According to studyinaternational.com

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Baek Ah Yeon

I trust Allianz Care since it is one of the largest insurance companies in Australia, with the medical centres where I only have to pay for what is left from insurance support. (no need to claim later). Besides, those centres are located at the centre of the city, close to schools. Very convenient, right? Credits to Allianz Care for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

Ariella Pei

I’ve been living with homestay family for 2 years. I’m now 19, I can move out but I don’t want to leave my host, who has become my family. It feels like I’ve met my second family. Thanks OSHCstudents for sending me to this homestay!

Ariella Pei | University of Canberra

Chatchawat Paton

I realised how important insurance was when I started living in Australia. There I switched to using Allianz Care instead of the previous service. Allianz Care is extraordinarily good in its consulting service and customer care. I’ve learned a lot about Australian health care, also I was consulted with mental issues and how to live a healthy lifestyle. I am very happy now.

Chatchawat Paton | Torrent University

Phuong Anh

Having lived in Australia for 2 years, I’ve been reliant on AHM OSHC to pay for my health care, which supports me for other expenses. Last year, I sent my claim requests for several times and always received the claims within two days. Everything is easy, fast and simple.

Phuong Anh | Victoria University

Xiaoyu Cheng

Thanks to Allianz Care, every time I claimed my medical receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz Care is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University


My homestay was very comfortable and convenient. My host was really kind. He showed me where to shop, which buses to catch, where the nearest train station is, to get off at which station so that I wouldn’t be taken to another suburb. Travelling was easy since the place was close to public transports. It only took 30 minutes to get to my college, actually I could go anywhere easily!

Emma | Macquarie University

Jing Zhang

When told that I was going to live with an Italian family, I was pretty nervous and doubted whether or not they could speak English well as the local people? Yet it was no longer a problem when I saw them. They knew the problems of people who first came to Australia and always tried to help me. I learned so many things about both Australian and Italian culture and enjoyed tasty Italian meals every time. Awesome!

Jing Zhang | Griffith University

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