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Extras health insurance for international students

If you're studying in Australia on a visa, you'll need Overseas Student Health Cover (OSHC). However, you can take out extras cover on top, to help pay for treatments like dental, optical and physiotherapy.

Name Product Treatments Price
Essential Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +5 other treatments covered
$68.80
per month
Mid Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$73.56
per month
Frank Easy Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$28.30
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$97.09
per month
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
Get 6 weeks free extras cover. For new joins only. Offer applied after 60 days on extras-only cover. Learn more.
$18.80
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
Get 6 weeks free extras cover. For new joins only. Offer applied after 60 days on extras-only cover. Learn more.
$65.70
per month
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What is extras cover?

In Australia, there are two types of private health insurance: Hospital and Extras. As an international student, your hospital cover will be included on your Overseas Student Health Insurance (OSHC) policy.

  • Hospital cover helps with the cost of treatment in hospital, including emergency treatment
  • Extras cover can help pay for out-of-hospital treatment, like regular dental, optical and physiotherapy appointments

Private health insurance funds typically don't offer extras policies specifically for international students. Instead, international students can take out the same extras policy as an Australian citizen.

Does OSHC include extras cover?

As an international student, your visa will most likely require you to hold Overseas Student Health Insurance, or OSHC. This covers the cost of hospital treatment while you're in Australia. Extras is typically not included in this cover with OSHC. That's why if you want cover for treatments like dental, optical and physiotherapy, you'll need to take out an extras policy.

Finder survey: Do Australians of different ages think extras insurance is worth it?

Response75+ yrs65-74 yrs55-64 yrs45-54 yrs35-44 yrs25-34 yrs18-24 yrs
No38.64%38.95%28.57%27.22%21.08%19.47%15.29%
Somewhat36.36%33.72%37.89%42.01%44.86%38.42%37.65%
Yes25%27.33%33.54%30.77%34.05%42.11%47.06%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

How to sign up for extras cover as an international student

To sign up for extras, you can follow one of the links in the table above. For some health funds, you'll be able to sign up completely online.

If you can't finish your signup online, you can still get extras insurance. You may need to contact the fund directly to purchase cover. Try using the chat or email feature on the fund's website. In researching this article, we called and used the chat function on the websites of multiple health funds. All of them were very helpful and able to provide us with quick responses to our questions.

What treatments can extras cover pay for?

Extras treatment covers a range of different treatments outside of a hospital. Here are some of the most common treatments that can be covered by private health insurance.

TreatmentDescription
AcupunctureA form of traditional Chinese medicine that involves inserting thin needles into specific points on the body to alleviate pain and promote healing.
Ante-natal/Post-natal classesClasses designed to educate expectant and new parents about pregnancy, childbirth, and early infant care.
AudiologyThe study and treatment of hearing and balance disorders, including hearing tests, hearing aids, and cochlear implants.
Blood glucose monitorsDevices used to measure blood sugar levels in people with diabetes.
Chinese medicineA system of traditional medicine that includes herbal medicine, acupuncture, and other therapies to promote health and treat illness.
ChiropracticA form of alternative medicine that focuses on the diagnosis and treatment of musculoskeletal disorders, particularly those affecting the spine.
DieteticsThe study of nutrition and its effects on health, including the development of personalized meal plans to manage chronic conditions such as diabetes, heart disease, and obesity.
Endodontic servicesDental services that focus on the diagnosis and treatment of problems with the dental pulp and root of the tooth, including root canal therapy.
Exercise physiologyThe study of the effects of exercise on the body, including the development of personalized exercise programs to improve health and fitness.
Eye therapyA range of treatments designed to improve vision and treat eye conditions, including vision therapy, eye exercises, and corrective lenses.
General dentalRoutine dental care, including cleanings, fillings, and extractions.
Health managementThe coordination of healthcare services and resources to optimize patient outcomes and reduce healthcare costs.
Hearing aidsDevices used to amplify sound for people with hearing loss.
Home nursingNursing care provided in the patient's home, including wound care, medication management, and assistance with activities of daily living.
Major dentalDental services that go beyond routine care, including crowns, bridges, and dental implants.
Non-PBS PharmaceuticalsPrescription medications that are not covered by the Australian Pharmaceutical Benefits Scheme (PBS).
OpticalServices related to vision and eye health, including eye exams, prescription glasses, and contact lenses.
OrthodonticsDental services that focus on the diagnosis and treatment of misaligned teeth and jaws, including braces and clear aligners.
OrthoticsDevices designed to support and align the musculoskeletal system, including shoe inserts, braces, and prosthetics.
OsteopathyA form of alternative medicine that focuses on the diagnosis and treatment of musculoskeletal disorders, including joint pain, back pain, and headaches.
PhysiotherapyThe use of physical techniques and exercises to improve mobility, reduce pain, and promote healing.
PodiatryThe study and treatment of foot and ankle disorders, including the diagnosis and treatment of conditions such as plantar fasciitis, bunions, and heel spurs.
PsychologyThe study of human behavior and mental processes, including the diagnosis and treatment of mental health disorders such as depression, anxiety, and schizophrenia.
Remedial massageA form of massage therapy that focuses on the diagnosis and treatment of musculoskeletal disorders, including muscle tension, soreness, and injury.
Speech pathologyThe study and treatment of communication disorders, including speech and language disorders, stuttering, and voice disorders.
VaccinationsThe administration of vaccines to prevent infectious diseases, including childhood vaccines, flu shots, and travel vaccines.

How much does health insurance cost?

We ask hundreds of Australians what they're paying for health insurance every month. Here's what they told us in May 2024.
  • Basic: $110
  • Bronze: $143
  • Silver: $162
  • Gold: $197
Price based on 1,000+ responses for single hospital insurance.

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