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Top 5 best international student insurance in Australia

Bysuper admin

Jan 27, 2024

If you’re an international student headed to Australia, it’s essential to make sure you have the right student insurance. With the right plan, you’ll be able to focus on your studies without worrying about unexpected medical costs.

But with so many international student insurance policies, how do you know which is best for you? Here’s a look at five of the best plans available. Depending on your specific needs and budget, you can choose from comprehensive insurance policies; the hospital only covers cost-effective options with no excess fees.

You can also look for an international student insurance policy that provides coverage for specific pre-existing conditions or allows you to upgrade your coverage if something unexpected happens. All of these plans provide peace of mind and ensure that you’ll be covered if anything happens while studying abroad in Australia.


If you’re an international student studying in Australia, the right insurance policy is essential to healthy living. With HCCMIS, you get a comprehensive suite of coverage options tailored to protecting your health and well-being while in Australia.

HCCMIS includes coverage for hospitalization, medical evacuation, repatriation expenses, and more, ensuring you receive top-level medical care that doesn’t break the bank. Plus, HCCMIS is accepted by the majority of doctors and hospitals across Australia, so it’s great for peace of mind.

HCCMIS also includes optional extras such as vision and dental coverage, helping keep your health in check long after you’ve finished studying. Additionally, HCCMIS offers student reimbursement when you visit a participating doctor or hospital – making your schedule even more affordable.

Bottom line? HCCMIS will ensure your health needs are taken care of throughout your stay in Australia, regardless of where you go or what life throws at you.


Health insurance can be a real pain to shop for, so it’s important to know all the details before making a decision. That’s why you should know about Cigna. It’s got some of the most comprehensive coverage of any international student insurance out there.

Here are some of Cigna’s most noteworthy features:

  1. Widely accepted: Cigna covers treatments at over 1,300 hospitals and 8,000 medical centers around Australia, so you know you’ll find the care you need wherever you go.
  2. Comprehensive cover: Cigna covers everything from hospital treatments to preventative care and emergency evacuations!
  3. Affordable coverage: Cigna has some of the most competitively priced premiums for international student health insurance in Australia!
  4. 24/7 service: Need a quick answer? With Cigna, you get access to a multilingual customer service team available 24/7, 365 days a year, perfect if you get sick or injured while traveling or studying abroad!

Whether you need routine check-ups or emergency treatment while studying in Australia, Cigna offers a range of international student health insurance plans so you can find the policy that suits your budget and needs best. You deserve the peace of mind when studying abroad, and with Cigna, that’s what you get!


Coming in next on our list is GeoBlue. With their comprehensive range of coverage, the premium could be a bit higher than others, but for what you pay for, you get immense value.

So, what does GeoBlue offer? Here are some of their key features:

  • Care and well-being: This offers face-to-face medical and mental health benefits from professional care providers both in Australia and abroad. Plus, GeoBlue also offers global medical emergency assistance, as well as travel risk management tools that help students stay safe while studying overseas.
  • Security and stability: This includes personal liability coverage in case of any accidents that could cause harm to other people or their property. It also offers legal expense reimbursement services to cover any fees related to the process.
  • Travel insurance: You’ll get coverage for flight delays, baggage loss/delay/theft, repatriation costs, etc. Plus, there’s also coverage for trip cancelations due to illness or injury.
  • Provides access to global medical services: They partner with respected providers like Mayo Clinic, Johns Hopkins Medicine Intl., and Cleveland Clinic Abu Dhabi, so you always have reliable doctors nearby no matter where in the world you find yourself.


When it comes to international student insurance in Australia, Aetna is up there. As well as offering a range of protection benefits, such as medical coverage and hospitalization, Aetna also provides additional services such as:

  • Emergency medical evacuation
  • Repatriation of remains
  • Travel assistance
  • 24/7 global multilingual customer service

The medical evacuation benefit helps cover the cost of returning you to your country of residence if a medical crisis requires this. The repatriation of remains benefit helps cover the cost of transporting your body back home in the event of death, while travel assistance can provide crisis support services like emergency translation, legal referrals, and more. Lastly, the 24/7 global multilingual customer service team is available to help make sure you get the right coverage for your needs.


If you’re looking for international student insurance in Australia, IMG is a great option. Their policies allow you to tailor the coverage you need and give you the right protection for your needs.

IMG provides policies for international students studying in Australia with a range of features, like:

  • Coverage for medical expenses and emergency care
  • Emergency medical evacuation benefits
  • Coverage for lost or stolen items
  • Support from the international claims team
  • Direct billing options with leading Australian providers
  • 24/7 access to live customer service

In addition to this great coverage, IMG also offers personalized tips and advice on its website, so your experience abroad is as smooth as possible. With their help, you can make sure that you’re getting the best coverage for the best price. Plus, if anything does go wrong during your stay abroad, they will be there to help get you back on your feet.

Frequently Asked Questions

It’s totally normal to have a few questions about international student insurance in Australia. We understand that, so we’ve put together some answers to some of the most frequently asked questions.

What does international student insurance cover?

International student insurance plans typically provide coverage for medical expenses, including hospital stays and doctor visits, hospitalization costs, prescriptions, repatriation to your home country, and personal liability. Additional benefits may be included depending on the plan you choose.

Is international student health insurance required in Australia?

Yes, if you are an international student studying in Australia for more than one semester, you will need to purchase health insurance before you can enroll in a course. It’s important that you make sure the plan meets the requirements of your school or university.

How long is international student health insurance valid?

Most plans are valid for one calendar year and will automatically renew if you haven’t opted out of the coverage. Some plans also offer longer-term coverage options that are valid for up to five years.

Does my university offer an international student health insurance plan?

Some universities do offer their own international student health insurance plans, often at discounted rates, so it’s worth checking with your school to see what options are available.

Can I purchase an international student health insurance plan online?

Yes, many insurers allow you to purchase health insurance online, which makes it easy and convenient. Just make sure you carefully read all the policy details before signing up so that you’re getting a plan that meets your individual needs and budget.


Whether you are an international student looking for the best insurance coverage or an Australian resident considering the benefits of international student insurance, these five best international student insurance options in Australia offer comprehensive coverage for a variety of needs. By looking at the different benefits, points of coverage, and customer service offered, you can make an informed decision about the best insurance plan for your educational journey or family abroad.

No matter what insurance you opt for, make sure it is tailored to meet the needs of your situation. After all, the best way to protect yourself or your family from the unexpected is to make sure you have insurance coverage that will cover the costs in the event of a medical emergency or any other eventuality that might arise.

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