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Why is couples OSHC so expensive?

OSHCstudents – Overseas Student Health Cover (OSHC) is a requirement for most international students. Migration policy states students need an insurance policy for the length of their student visa. Students will need to have their OSHC policy in order to apply for the visa.

Please note this post does not provide advice on which policy you should select. Instead, I hope this will clarify what Australian Immigration’s policy is on OSHC. If you are seeking insurance advice, feel free to contact the relevant insurance providers or insurance professionals or contact immigration.

OSHC-1

Why is couples OSHC so expensive?

Generally speaking OSHC costs around $40 per month for individual coverage. So a 24-month policy will cost around $1000.

However, if you are looking at couple’s OSHC, the price more than quadruples to around $250 per month. Moreover, if you ask the different insurance company the reasons for the extra expense, they will each give you a different answer for the additional expense.

Many students ask if it is possible for them to purchase 2 individual policies. Immigration and OSHC providers have a different policy on this:

The Australian Office of Home Affairs (Aus Immigration) policy states: “Please note that evidence of cover for couples or families does not need to be combined and each applicant can take out cover separately. For example, couples can take out cover separately as two single premiums. (PAMS: GenGuide G – Student visa). Out of personal experience, we have had many applications successfully approved with two individual policies.

However, insurance companies’ policy differs: Insurance companies state a couple is not allowed to have two single policies. Instead, the couple must have couple’s insurance. This is the policy of Bupa, Medibank, Allianz, NIB and AHM. What’s more, there is no specific reason given for the large increase in price. Each insurance company provides you with a different explanation. To be honest, this writer thinks it is just a cash grab by the insurance companies.

So what should students do? Unfortunately, I can’t answer this. Feel free to speak to the OSHC providers, do your own research with immigration policy or you can chat with family and friends.

However, if you are looking at OSHC, you can check out the prices and purchase insurance here.

Contact us for further information:

Email: info@oshcstudents.com

Hotline: +61 2 8123 0900/+61 2 8123 0901

Emma (OSHCstudents) – According to Pathwaytoaus.com

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Baek Ah Yeon

I trust Allianz 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 for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

Ariella Pei

I’ve been living homestay for 2 years. I’m now 19, I can to 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 instead of the previous service. Allianz 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 expending. 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, every time I claimed my medial receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University

Emma

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 to 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 they could speak good English 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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