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I would highly suggest you to visit any insurance office to get an idea about the type of insurance u can have. If you are concerned about the cost, after u know the type of insurance u need, u can always check the rates other insurance companies are offering for the same type of policy cover. And then, choose what suits you.

I understand you are waiting to apply for partner/ dependent visa but what visa are you on right now? Your insurance policy will depend on that.

My family is with Bupa. My mum & dad are here to visit me and we pay $364 per month. I would suggest getting a quote for a standard cover from 2-3 places, compare it and check if it has what your family needs.

As far as I know, students have to pay the full amount of insurance fees required for the full term of the course. Say, your course is 2 yrs long, then u have to pay for 2 yrs of insurance in advance, before you come.

As far as I know, you can always do amendments in your tax return for previous years.

@@kavitashresthaofficial sorry, how to do amendments for previous?

rn.kavitashrestha@gmail.com

Have you checked with the insurance company? Me and my husband had separate ones at the start and we didn't have any problem. Check with the company you have insurance from. The benefits should still be same.

@@kavitashresthaofficial thx for the reply the insurance companies are not straight in their answers however I got to know via an insurance provider and. Migration agent that we can get separate single oshc due to rules of home affairs but the main applicant is the only one that is getting benifts from the cover while the partner is not. Those instructions companies are really sickmindwd sorry to say that .... They want to Force couples to get couple oshc which is 7Xcost ... Which increasingly the oshc cost raised in a dramatic insane way ...

@@Osamah2008 I know, it's disheartening to see how some insurance companies can literally drain you. In terms of benefits, if your partner gets a separate insurance cover, she will get the benefits that are outlined in the policy which would be same as yours even if she is not the main applicant (from my personal experience). Have a good day!

@@kavitashresthaofficial thank you very much for interactions appreciated advice.... The time we got visa approved will get back and coment here. May god blesses you. Have a great day and happy life

Hi Raja, congratulations on your visa! As far as I am aware, you can claim for private health insurance tax rebate, meaning you will get some amount back when u claim that on tax. However, schooling expenses are not tax deductible for kids. Public schools are almost free for PR holders and citizens. But, there will be fees for students on any other visa. Best wishes to you and your family 😊

@@kavitashresthaofficial thanks Kavita

Hi Rasengan, as far as I am aware one of the student visa conditions is to have OSHC when u land here. That means you can start OSHC before arriving in Australia and adjust the date after coming. Best would be to talk to your consultancy. OSHC only starts the day you land in Australia, so you will get your money back for days before that. I hope that make sense. All the best! 😊

@@kavitashresthaofficial thank you so much for the suggestion.

I think you have done the right thing. Sometimes even if people have nothing diagnosed, life can throw anything at anytime. So, even with waiting period for some of the services, I feel it's still worth it and Allianz is a good option. I have seen people in visitor visa diagnosed with cancer during my placement days. And the bed charge is about $2000-$2500 per day even in a govt. hospital for a visitor. Image that cost out of pocket!

Hi Sakura, did you want to study nursing in Australia? Most of the universities here accept students from other streams in nursing. Most challenging part would be to find a reliable registered consultancy for the application process. I got caught with a fake one and wasted a lot of my time in my initial days.

Hi Zeeshan, firstly I am not an insurance expert. So, any information I provide would be purely from either my own experience or from internet. As far as I know, most of the insurance policies for visitor visa doesn't cover cost related to pregnancy and birth. The ones that do, has waiting period of 12 months, before which they would not cover pregnancy related cost.

@@kavitashresthaofficial Thanks kavita . Yeah According to my research there are waiting period of 12 months therefore i wanted to ask those who may have gone though situation. Thanks anyway ,👍👍👍

Hi Range Loner, following link may help you find the answer www.health.gov.au/sites/default/files/documents/2020/06/overseas-student-health-cover-oshc-explanatory-guidelines-for-consumers-oshc-explanatory-guidelines-for-consumers.pdf As far as I know, Chemist warehouse provides prescription meds at cheapest price in Australia. So, you can check the cost of the medicines you are taking in their website www.chemistwarehouse.com.au/ Hope it helps!

Hi Ruwan, I am not a professional in this area. However, I found this interesting website where you can compare different oshc policies as per your need. Hope it helps! oshcaustralia.com.au/en

Hi Hardik, good to hear you guys are coming here. OSHC covers medicines under pharmaceutical benefit scheme upto some extent. It varies from policy to policy and also if you have a standard hospital cover or have extras associated with it. If anyone is infected with COVID and admitted in hospital, he/ she will be given inpatient services similar to admission with any other condition. Waiting period may apply for few services. Please note, I am not an insurance expert. Please read your policy thoroughly. All I can do is provide you a link of an example of oshc policy. Hope that helps!

www.google.com/url?sa=t&source=web&rct=j&url=www.bupa.com.au/health-insurance/oshc/-/media/OSHC/Files/understand-cover/Brochures/Overseas-Student-Health-Cover-Brochure.pdf&ved=2ahUKEwi2u4u1lZr1AhV9T2wGHZcrBxwQFnoECA4QAQ&usg=AOvVaw3fL5-tmiDl_dFm9vpbu3Bu

Hi Himani, your Bupa OHSC doesn't start until you are here in Australia and there is a waiting period upto 12 months after your policy starts. Most of the policies here have this criteria, however with Allianz OHSC there were few benefits available until few years back. You can check with them for an updated one. All the best dear!

Hi Ni, I think u don't hv to pay for it in Nepal. In Australia, hormonal or copper IUD may cost from $70- $200 for a non-medicare holder.

Hi Jasmine, things are better now. Unfortunately, we didn't have our PR when that happened. I think after PR, it depends on you whether you want to continue with your private health insurance or not. I personally prefer to have one, so that I don't have to wait too long even for non urgent procedures. However, the cost varies according to your location in Australia. Also, consider how good your public health system is in your locality before you make decision. Good luck :)

Hi Maulik, as far as I know, if you are an international student, you are not eligible for Medicare. Hence, you don't have to pay Medicare levy or Medicare levy surcharge. So, you will get full 365 days of exemption.

Thank you Suraj for expressing your concern. I was really dumb, I guess I didn't think it through well. I have updated it after your comment. Also, I don't actually use this mygov account. So, hopefully that will save me a bit. I am still learning!

Yes, you will need to apply for an OSHC.