Understanding Health Insurance Requirements for International Students (2025 Guide)

1. Why health insurance matters: It’s often mandatory for visa issuance, protects you from high medical bills, and enables access to doctors, hospitals and emergency care without huge out-of-pocket costs.
2. Common coverage elements to check: Hospitalisation, outpatient visits, emergency evacuation, prescription drugs, mental health support, and maternity care (if relevant).
3. Types of plans: University-sponsored plans (convenient, pre-approved), national public schemes (available in some countries), and private international student policies (flexible, can be tailored).
4. Typical costs (estimates): Vary by country — expect roughly US: $1,200–$2,500/year, Germany: ~€100–€120/month, Australia (OSHC): €400–€700/year depending on provider and coverage level.
5. Visa & enrolment requirements: Many consulates and universities demand proof of valid insurance at visa application and/or registration. Some require specific minimum coverage limits — verify exact figures.
6. How claims work: Some plans allow direct billing to providers; others require you to pay up front and submit receipts for reimbursement. Understand co-payments, deductibles, and claim timelines.
7. Pre-existing conditions & exclusions: Check whether your plan covers pre-existing conditions, chronic care, or COVID-related treatment and whether waiting periods apply.
8. Dental & vision: Often not included — confirm if you need add-ons for dental/vision or if separate policies are necessary.
9. Continuity of coverage: If you plan internships or travel outside the host country, ensure your policy covers those periods or consider temporary top-ups.