Worrying Your Health? These 7 Students Insurances Got Your Back

Everyone can fall sick at any time and international students in Australia are no exception. To get health care when having a health problem of course requires a lot of money.

Therefore, having private health insurance is very important because the public health system does not help international students. Besides being a mandatory requirement of a student visa in Australia, you can save more if you use health insurance so that your money is not wasted.

You can choose one of the best health insurance for international students in Australia to assist you when you need healthcare help.

Bupa

Bupa is one of many choices for the best health insurance for Indonesian international students in Australia. You can get these benefits starting from $57.64 for a month:

• Accommodation for hospital stays. 
• Fees for the operating room, critical care, and labor ward. 
• Medication you get when receiving treatment in a hospital under the Pharmaceutical Benefits Scheme (PBS). 
• Hospital-based allied health services. 
• Implanted surgically prosthesis.
• A private room if available.

You can make a claim online at their website by uploading your invoice or receipt copy. If you can’t submit a claim online, you can visit a Bupa retail store, visit your on-campus consultant if available, or post your claim to Bupa. 

A medical certificate from the doctor may be necessary in specific circumstances. You can ask your doctor to obtain a Bupa medical certificate if you are receiving additional treatment or testing during your first year of coverage.

Allianz Global Assistance

Allianz Global Assistance is one of the best health insurance for international students in Australia that can be your choice. With $51 per month, you can save more money because this insurance covers:

• Admissions of private and public hospitals
• Ambulance
• Prescription medicine
• Medical tests
• Doctors and specialists outside of the hospital

Selecting a medical provider who accepts direct billing is the simplest approach to manage your health claims. In this manner, your claim will be delivered to us automatically, and Allianz will pay the healthcare provider directly.

You don’t have to worry if you can’t find a medical provider who accepts direct billing because there are other ways to submit a claim. Either you may pay the whole amount to the medical provider and then make a claim using the tax invoice, or you can ask Allianz to pay the medical provider directly.

There are several simple ways to make a claim, including:

• Claim with the Allianz MyHealth app
• Email claim
• Post your claim and receipts

Medibank

With $48.25 per month, you can get essentials OSHC by Medibank that covers most of healthcare expenses for example Medibank student health and support line that is available for 24 hours, online doctor consultation, hospital treatments, and unlimited emergency ambulance.

If you want to make claims, you can do it online using OSHC online member services or Medibank online claims form. The other way to claim is by mail or in-store. Don’t forget to prepare the receipts because they will be needed when you want to submit claims.

NIB

Starting from $575 you can get tons of benefits from NIB health insurance including:

• Doctors and specialists
• Emergency ambulance
• Hospital
• Prescription medication

Submit your claim by scamming your nib card if your provider has a HICAPS card terminal. If your provider doesn’t have a HICAPS card terminal, you can make a claim online/in the app. Just keep your receipt then submit your claim online or nib App.

AXA Health

AXA Global Healthcare offers health insurance starting from $128.99 per month. This price covers hospital and surgery charges, cancer treatments, evacuation and repatriation, second opinion service, and virtual doctor service. 

To make a claim, AXA can make arrangements to have a “pre-approval letter” sent to your doctor or the hospital you’ll be attending if you’re going to be admitted to a hospital for in-patient or day-patient treatment.

For outpatient consultations, tests, and treatment, you should receive an invoice and a receipt from the hospital. You can send the invoice and receipt online to submit your claim.

Australian Health Management

The benefits of AHM include hospital and medical expenses during your study in Australia, such as:

• Visits to General Practitioners and specialists
• Treatment by doctors in hospitals
• Pathology tests
• Emergency ambulance
• Prescription medicines
• X-rays
• Hospital accommodation expenses

For stuff you’ve previously paid for, you can make many kinds of claims. There are three methods for submitting claims:

1. Open the OSHC App and choose “Make a Claim” on the Home or Cover page.
2. OMS –  visit https://ahmoshc.com.au 
3. Mail – Fill out your claim form, sign it, and mail it to us with a copy of your service provider’s invoice attached. Additionally, if the account has been paid, you must email AHM insurance the receipt.

After knowing the best health insurance for international students in australia, you may need to know how to move there easier or how to get the best deal for accommodation. You can find the complete guide by visiting koskosan Australia. Their team will make your relocation to Australia feel easier.