While some students travelling to Australia for school will be able to take part in the country’s expansive public health system, there are many countries that do not have a reciprocal agreement with the nation’s government.

These students will be required to enroll in a health insurance program before they apply for their visa, but with so many student health insurance programs available, how is a student to make a decision?

Choosing Student Health Insurance

Here are a few tips to help you choose the best option for your needs:

What sort of coverage do you want?
The first step to selecting the right healthcare plan is to consider your needs and wants. Think about the last few times you’ve been to the doctor or hospital or visited a medical professional in an office setting. Are any of these treatments likely to be issues you need addressed while studying in Australia?

Creating a list of items you absolutely need covered, those you’d like covered and those you’d rather not pay for will make it much easier to make the right choice when it comes time to buy.

What does your budget look like?
You’ll likely be paying out of pocket for your private health fund, so it’s important to factor your payments into your budget. Be sure to look into conversion rates, and do your best to figure out how much money you’ll have month to month in your budget.

Student Health Insurance Programs

Remember that you can choose to pay your private health fund premiums weekly, twice a month, monthly or once a year.

Making the choice
When it comes time to make your final choice on health insurance, the best bet is to compare options side by side. Fortunately, there are a number of health insurance comparison websites that allow you to narrow down your options by viewing their benefits and prices all at once.

Bear in mind that some private funds don’t

DT: When you’re looking for health insurance as a student travelling to Australia, what’s the best option? Here’s how you can make the best choice.