Top Health Insurance Providers for Foreign Students in Australia

Are you unsure about the best health insurance providers for foreign students in Australia for a long or short course or degree completed? For the answers, see the discussion below.

Obtaining international health insurance coverage sometimes falls to the bottom of your very long to-do list when arranging a trip to study abroad. But so far taking this step will guarantee that your exchange program is both secure and fun. However, obtaining a student visa also has a condition for having a solid insurance plan.

To ensure coverage in case you want medical attention in the new country where you will reside, it is essential to purchasing international health insurance.

In Australia, foreign students must obtain private health insurance because the public system does not offer assistance.

Finding the best international health insurance might be difficult. A table with extra information is located below the list, which you can use to compare all the plans. The companies that list below are all international companies.

IMG

IMG is a company that offers a variety of insurance policies for expatriates and international students.

To meet the demands of students studying abroad, they have developed three plans. One of them, however, is designed specifically for those who want to study in the US. The two below that you could use while studying in Australia.

• Student Health Advantage

For international students specifically, this strategy was developed. This means that it will probably satisfy the needs of your educational institution.

This plan stands out in part because it provides specific sorts of coverage that few other plans do. such protection for pre-existing diseases, mental health, and maternity care.

Covid-19 treatments are also covered by this specific IMG plan. This is nevertheless subject to the particular conditions of the insurance, just like any other illness.

• Student Health Advantage Platinum

With one significant difference, this plan and the one above are extremely similar. With a guaranteed coverage amount of up to $1,000,000 USD, the Platinum plan offers double the maximum protection.

Pros

• Their plans are designed specifically to students' needs
• They offer customer service of 24 hours a day
• They provide Covid-19 and telehealth appointments
• Students from various countries are welcome to use their services

Cons

• Pre-existing condition coverage has a one-year waiting period for certain of their plans

Cigna Global

Cigna Global is one of the biggest providers of health insurance on the market. They offer a range of programs for tourists, ex-pats, and foreign students.

They don't have plans designed especially for students, but the majority of their plans will still cover you. Silver, Gold, and Platinum are the three primary plan variations. These three plans are all valid both in Australia and the rest of the world.

Cigna’s plans are very flexible and flexible payment options that let you choose from monthly, trimesterly, or annual payments.

Pros

• Their website states that 95% of refund requests are processed within 10 days, demonstrating their rapid response
• 24/7 customer service is offered
• A list of more than 3,000 hospitals can be found in their online support center
• They collaborate with more than 1.65 million hospitals, clinics, medical offices, and specialists worldwide

Cons

• Pre- and postnatal coverage are not included in their entry-level plan
• They lack coverage for expert outpatient consultations

HCCMIS

Another excellent health insurance provider for foreign students in Australia is HCCMIS. They offer a variety of excellent international health insurance alternatives for international students in addition to their fantastic travel insurance options.

The four tiers of coverage for student health insurance that HCCMIS provides are listed below.

• StudentSecure Elite
• StudentSecure Select
• StudentSecure Budget
• StudentSecure Smart

Pros

• They provide some of the most affordable plans on this list
• There are 4 options available to you (and they are all made especially for students)
• If you pay for your entire plan upfront, they will give you a discount
• Their policies cover unexpected dental emergencies (up to $250 USD per tooth or $500 USD overall)

Cons

• There is no coverage for pre-existing conditions under the Smart plan
• For pre-existing conditions, there is a 6-month waiting time in other plans
• They don't cover vaccines in their policies, with the exception of the Elite plan
• Both maternity and nursery coverage are not included in the Smart plan
• The deductibles on the budget plans are pretty hefty

GeoBlue

A good option for insurance for expatriates is GeoBlue. This company is among the best in its industry and satisfies the highest requirements of quality. For subscribers of its plans with Covid-19 inquiries, GeoBlue offers an unlimited number of entirely free telemedicine consultations. The business also provides clinical tests and Covid-19 treatment, per physician order.

Pros

• Providing services that are the highest quality standards
• A flexible plan created specifically for foreign nationals residing in the US or US citizens residing in other nations
• You have an unlimited medical cap and no deductible for routine services with the Xplorer plan
• Extreme sports coverage and no cancellation costs are included with the Xplorer package
• Optional eyesight and dental care
• A variety of plans are available
• 24/7 availability
• Plans with full coverage, including maternity care, health consultations, and evacuation, are available seven days a week

Cons

• Residents of New York and Washington cannot use this service
• You must speak with a broker for pricing

Real Seguros

Real Seguros is a platform that enables you to contrast several insurances from various providers until you find the best fit for your needs and your travel itinerary.

Being Brazilian, all platforms for services are available in Portuguese, which might be helpful to many individuals who do not know English.

Pros

• It offers a variety of insurance alternatives at reasonable pricing
• Having access to emergency dental care
• They are covered for the transfer to Brazil if there are no physical restrictions on staying in Australia
• Pay for prescription costs as long as they have a prescription and a doctor's referral

Cons

• Pregnancy and maternity support are not covered by them
• There are certain solutions that don't cover pre-existing conditions

Foyer Global Health

Are you looking for basic or full coverage? Have you made long- or short-term plans to stay in Australia? Relocating alone or with your family?

Regardless of how you respond to these inquiries, Foyer Global Health is certain to have a strategy that is customized to your particular circumstance. Fundamentally, Foyer offers three different plan options:

• ESSENTIAL
• SPECIAL
• EXCLUSIVE

Pros

• All of their plans cover fundamental dental procedures, visits, and treatments
• 24/7 customer service is available from consultants, medical professionals, and specialists
• They provide services for evacuation and repatriation
• They provide pre-trip guidance and medical support (on things like necessary vaccines and the preparation of a first aid kit)

Cons

• Prenatal and postpartum care are not included in their base plan
• They may charge a little bit more for their plans than some of the others on this list

Seguros Promo

Seguros Promo is a fantastic choice for you if you like Brazilian companies.

It is a business that gathers several insurance products from various suppliers, enabling you to compare costs and pick the option that best satisfies your requirements.

There is no need to worry about international payments or services in other languages because the service, doubt clarification, and payment are handled directly by the companies, which makes it simpler in rare emergencies.

Just make sure to check with your institution to see whether they accept the student health insurance you select there. You can stay out of any annoyance that way.

Pros

• National service available 24/7
• The platform provides filters that make choosing a plan easier.
• Easily navigable website with plan comparisons
• Several forms of international health insurance for students

Cons

• Because of the current exchange rate, several of the plans have different prices
• Making a decision might be challenging due to the abundance of possibilities

The above list of the best health insurance providers for foreign students in Australia has helped you as you prepare for your adventure overseas.

Because you ultimately won't be able to enroll in your school or institution without proof of insurance policy, Furthermore, you don't want to end up needing to pay for a medical emergency on your own.

Related topics:

Health Insurance for Students in Australia: Detailed Discussion