In short
How health cover works for international students in Australia, the UK, Canada, the USA, Germany, New Zealand and Japan, and what to check before you travel.
In this article
Health cover is easy to overlook until you need it. Rules differ widely, and in several countries you must arrange it before the visa is granted.
Country by country
| Country | How cover works |
|---|---|
| Australia | Overseas Student Health Cover (OSHC) is required for the duration of your student visa and is arranged before you apply. |
| United Kingdom | The Immigration Health Surcharge is paid with your visa application and gives access to NHS services. The amount is set by the UK government, so check the current rate. |
| Canada | It varies by province. Some provinces include students in public cover, others require private cover, and many universities run a compulsory plan. |
| United States | Most universities require health insurance, often through a university plan with the option to waive if you hold comparable cover. |
| Germany | Health insurance is required for enrolment and residence permits, and students usually join a public insurer at a student rate. |
| New Zealand | International students need appropriate medical and travel insurance for their stay. |
| Japan | Residents staying longer than three months must enrol in National Health Insurance, which covers part of medical costs. |
Rules and prices change. Confirm with your university and the official immigration site for your destination.
What to check before buying
- Does it cover the full length of your course, including breaks?
- Does it cover GP visits, hospital, prescriptions and mental health support?
- Are there waiting periods or exclusions for pre-existing conditions?
- Does it cover repatriation or travel home in an emergency?
- Is the cost already included in your university or visa fees?
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Plan it into your budget
Health cover is often paid upfront for the full visa, which affects the amount you carry at departure. Add it to your plan with our cost calculator and read the cost of living guide.
Our pre-departure support covers health cover and the rest of the checklist.