Student health insurance

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choosable 50 – teeth Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$12.48 per month	Go to Site All treatments	Compare	loading Fetching your data...
black 50 saver Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$12.63 per month	Go to Site All treatments	Compare	loading Fetching your data...
HCF STARTER EXTRAS Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$12.74 per month	Go to Site All treatments	Compare	loading Fetching your data...
Freedom 50 Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$14.02 per month	Go to Site All treatments	Compare	loading Fetching your data...
HCF STARTER EXTRAS (WITH OPTICAL) Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$16.89 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Extras Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$17.60 per month	Go to Site All treatments	Compare	loading Fetching your data...
Starter Extras Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$23.33 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Extras Green Company Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$24.92 per month	Go to Site All treatments	Compare	loading Fetching your data...
Simple Extras Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$26.10 per month	Go to Site All treatments	Compare	loading Fetching your data...
Healthy Start Extras Extras cover		General Dental Major Dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	$26.54 per month	Go to Site All treatments	Compare	loading Fetching your data...

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Frank Basic Hospital 500 (Basic+) Basic Plus$500 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$71.58 per month	Go to Site All treatments	Compare	loading Fetching your data...
Frank Entry Hospital (Basic+) Basic Plus$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +5 other treatments covered	$73.88 per month	Go to Site All treatments	Compare	loading Fetching your data...
starter basic Basic$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$75.13 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Accident Only Hospital $750 Excess Basic Plus$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$76.41 per month	Go to Site All treatments	Compare	loading Fetching your data...
Medibank Basic Accident and Ambulance Basic$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$76.75 per month	Go to Site All treatments	Compare	loading Fetching your data...
HCF ACCIDENT ONLY BASIC Basic$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$77.13 per month	Go to Site All treatments	Compare	loading Fetching your data...
starter basic Basic$500 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$77.84 per month	Go to Site All treatments	Compare	loading Fetching your data...
essentials basic plus Basic Plus$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +5 other treatments covered	$79.24 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Hospital Plus $750/$1500 Excess Basic Plus$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +5 other treatments covered	$79.69 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Plus Starter Hospital $750 Excess Basic Plus$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +8 other treatments covered	$79.88 per month	Go to Site All treatments	Compare	loading Fetching your data...

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Frank Freedom Starter Flexi-Bundle (Basic) Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +2 other treatments covered Get 6 weeks free + skip 2 & 6 month waits on extras when you join combined cover by 14 July. T&Cs apply.	$85.57 per month	Go to Site All treatments	Compare	loading Fetching your data...
starter flexi basic Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +3 other treatments covered Get 6 weeks free + 2&6 month waits on extras waived. New joins on eligible hospital & extras by July 20. Code: 6WFREEWW	$86.14 per month	Go to Site All treatments	Compare	loading Fetching your data...
starter basic + black 50 saver Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +2 other treatments covered Get 6 weeks free + 2&6 month waits on extras waived. New joins on eligible hospital & extras by July 20. Code: 6WFREEWW	$87.76 per month	Go to Site All treatments	Compare	loading Fetching your data...
starter flexi basic Basic$500 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +3 other treatments covered Get 6 weeks free + 2&6 month waits on extras waived. New joins on eligible hospital & extras by July 20. Code: 6WFREEWW	$89.79 per month	Go to Site All treatments	Compare	loading Fetching your data...
Medibank Basic Everyday Starter Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +4 other treatments covered Get 6 weeks free, up to $250 in gift cards + 2&6 month waits on extras waived. New members only, T&Cs apply. Ends July 10. Promo code: EVENBETTER	$89.90 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Accident Only Hospital $750 Excess + Freedom 50 Basic Plus$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +2 other treatments covered Get 6 Weeks Free + 2&6 Month Waits Waived On Extras On Eligible Products*. Code: 6WEEKSFREE	$90.43 per month	Go to Site All treatments	Compare	loading Fetching your data...
starter basic + black 50 saver Basic$500 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +2 other treatments covered Get 6 weeks free + 2&6 month waits on extras waived. New joins on eligible hospital & extras by July 20. Code: 6WFREEWW	$90.47 per month	Go to Site All treatments	Compare	loading Fetching your data...
essentials basic plus + black 50 saver Basic Plus$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +2 other treatments covered Extras General Dental Major Dental Optical Hearing aids +2 other treatments covered Get 6 weeks free + 2&6 month waits on extras waived. New joins on eligible hospital & extras by July 20. Code: 6WFREEWW	$91.87 per month	Go to Site All treatments	Compare	loading Fetching your data...
Medibank Basic Everyday Starter Basic$500 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General Dental Major Dental Optical Hearing aids +4 other treatments covered Get 6 weeks free, up to $250 in gift cards + 2&6 month waits on extras waived. New members only, T&Cs apply. Ends July 10. Promo code: EVENBETTER	$92.92 per month	Go to Site All treatments	Compare	loading Fetching your data...
Basic Plus Starter Hospital $750 Excess + Freedom 50 Basic Plus$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +5 other treatments covered Extras General Dental Major Dental Optical Hearing aids +2 other treatments covered Get 6 Weeks Free + 2&6 Month Waits Waived On Extras On Eligible Products*. Code: 6WEEKSFREE	$93.90 per month	Go to Site All treatments	Compare	loading Fetching your data...

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All prices are based on a single individual with less than $90,000 income and living in Sydney.

Being a student can mean struggling to survive on a part-time job and going without things you don't think you can afford. Student health insurance doesn't have to be one of them. Some insurers let you stay as a dependent on your parent's policy, you can get up to 10% off if you're aged between 18 and 29, and there are plenty of cheap policies that'll cover you for the basics.

The policies above from Finder partners are for a basic level of cover. Once you've clicked through, you can tell them your age and it will apply your age-based discount.

Can't I just be a dependant on my parents' health insurance?

If you're over 25, you probably won't be eligible to stay as a dependant on your parents' policy anymore.

To qualify as a dependant for student health insurance, ​you'll typically need to be under the age of 25, not married or in a de facto relationship, and studying full-time. Some insurers have an even shorter cut off age of 21.

• Am I covered by my parents' health insurance?

  Title	Dependant conditions
  ACA Health Benefits Fund	Child dependant. ACA considers children dependent until the age of 21. Student dependant. If your child is unmarried or in a non de facto relationship while a full-time student, they can remain covered on your family policy until they reach 25 years of age at no extra cost. Adult dependant. If your child is between 21 and 25 years of age, not studying full-time and is unmarried, they are able to be covered for an additIonal 30% loading.
  ahm Health Insurance	Child dependant. A child dependant is the child of the member who is not married or living in a de facto relationship and is under the age of 21. Student dependant. A student dependant is a child who is unmarried, is over 21 but is under the age of 25, and engaged in full-time education. Adult dependant. An adult dependant is a child who is unmarried, over 21 but under 25 years of age, and not undertaking full-time study.
  Australian Unity Health Limited	Child dependant. A dependant is a child aged up to 23 years old who is unmarried. Student dependant. A student dependant is able to be covered on your family policy until they reach 25 years of age. This is provided they aren't married and are enrolled in an approved course.
  Bupa Australia Pty Ltd	Child dependant. A child dependant means a person who does not have a partner and is under 21 or is engaged in full-time study and under 25 years of age. Adult dependant. A non-student adult dependant is someone who is between the ages of 18 and 24 and isn't studying in a full-time capacity.
  CBHS Health Fund Limited	Child dependant. A child dependant is someone who is unmarried, aged under 18 and is a child, stepchild or foster child who lives with the policyholder. Student dependant. A student dependant is at least 18 but under 25 years of age, unmarried and participating in full-time study. Adult dependant. This is a non-student dependant who is a child of the a policyholder, unmarried and over the age of 18 but under the age of 25.
  CUA Health Limited	Child dependant. Family policies provide cover for the policyholder and any dependent children/young adults until their 23rd birthday. Student dependant. Full-time student dependants are covered up until they turn 25. Student dependants must be registered each year from when they turn 23 years of age.
  Defence Health Limited	Child dependant. A child dependant is someone who is unmarried and under the age of 21. Student dependant. A student dependant is someone who is between 21 and 24 years of age and enrolled in full-time study. Adult dependant. This is a child who is dependent, unmarried, not enrolled in full-time study and is between 21 and 24 years of age.
  Doctors Health Fund	Child dependant. Your children can be covered by your family membership up to the age of 21. Student dependant. Your children can continue to be covered by the family's membership until the age of 24.
  Frank Health Insurance	Child dependant. Children are covered until they turn 21 years of age. Student dependant. Student dependants are covered until they turn 25 years of age, provided they are in full-time study.
  GMHBA Limited	Child dependant. You can be covered as a child dependant until the age of 21 if you're no longer a student. Student dependant. You can be covered as a student dependant if you're engaged in full-time study and under 25 years of age.
  Grand United Corporate Health	Child dependant. A dependant child is someone who is unmarried or under 21 years of age. Student dependant. Is a child aged between 21 and 24 years of age and studying full-time.
  HBF Health Limited	Child dependant. Children are covered at no extra cost until the end of the year they turn 18, unless they're married or in a de facto relationship. Student dependant. You can cover your child as a student dependant if they are unmarried, earning under the amount specified by HBF, under 25 years of age and studying full-time.
  HCF	Child dependant. Your children are automatically covered under your family cover until the day before they turn 22. Student dependant. If your child is enrolled in full-time study they'll be covered at no extra cost until the day before they turn 25 or cease full-time study (whichever comes first).
  Health Care Insurance Limited	Child dependant. Your children are covered until they reach the age of 23 and remain unmarried. Student dependant. Your child can be covered as a student dependant if they're financially dependent on the policyholder, aged between 23 and 25 and enrolled in full-time study. Adult dependant. Unmarried (includes those not in a de facto relationship) children between 23 years and 25 years of age can be covered on the Family Dependant Plus policy.
  Health Insurance Fund of Australia Limited	Child dependant. Child dependants are covered up until 21 years of age. Student dependant. Your child can be covered as a student up until 24 years of age if they are engaged in full-time study.
  Health Partners	Child dependant. A child dependant can be covered until they reach the age of 21. Student dependant. Your children can be covered at no extra cost if they're aged between 21 and 25 years of age and enrolled in full-time study.
  Latrobe Health Services	Child dependant. A child can stay on a policyholder's membership until they're 18 years of age, as long as they are unmarried. Student dependant. A student dependant is a child who is unmarried, under 25 years of age and enrolled in full-time study.
  Medibank Private Limited	Child dependant. A child can be covered at no extra cost until they turn 21. Student dependant. A student dependant is a child who is under 25 years of age, unmarried and enrolled in full-time study. Adult dependant. If your child isn't studying full-time, unmarried and aged between 21 and 24, you are able to cover your children for an additional premium with the families with adult children option.
  Mildura Health Fund	Child dependant. Your single children remain covered until they reach 21 years of age. Student dependant. Your children remain covered if they are full-time students under 25 years of age.
  National Health Benefits Australia Pty Ltd (onemedifund)	Child dependant. Your children will remain covered if they're under 21 years of age. Student dependant. Your child can be covered until 25 years of age if they're enrolled in full-time study.
  Navy Health Ltd	Child dependant. A child can be covered if they are unmarried children and under 22 years of age. Student dependant. Your child can be covered if they are engaged in full-time study, aged between 22 and 25 and unmarried.
  Peoplecare Health Insurance	Child dependant. A child dependant is someone under 21 years of age and unmarried. Student dependant. A student dependant is someone under 25 years of age, unmarried and enrolled in full-time studies.
  Phoenix Health Fund Limited	Child dependant. Your children are automatically covered under your family cover until the day before they turn 21. Student dependant. Your child can be covered as a student if they're enrolled in full-time study, under 25 or cease full-time study (whichever comes first).
  Police Health	Child dependant. A child dependant is someone who is unmarried and under the age of 21. Student dependant. A student dependant is a child that is unmarried, enrolled in full-time study and aged between 21 and 25.
  Queensland Country Health Fund Ltd	Child dependant. A child can remain covered under your family policy up to age 21 years. Student dependant. A child can be covered as a student dependant if they are under 25 years of age, unmarried and enrolled in full-time study. Adult dependant. Dependants aged between 21 and 25 can be covered with the Family Plus policy if they are unmarried.
  Railway and Transport Health Fund Limited	Child dependant. A child can remain covered under your family policy up to age 21 years. Student dependant. A child can be covered as a student dependant if they are under 25 years of age, unmarried and enrolled in full-time study. Adult dependant. Dependants aged between 21 and 24 can be covered with the Premium Hospital cover.
  Reserve Bank Health Society Ltd	Child dependant. Dependent children can be covered if they are unmarried and under the age of 18. Student dependant. Your child can be covered as a student dependant if they're under 25 years of age and enrolled in full-time study.
  St.LukesHealth	Child dependant. Children can remain on their parent's policy if they're under 23 and not married. Student dependant. A student dependant is someone who is enrolled in full-time study, fully dependent on their parents and under 25 years of age.
  Teachers Health Fund	Child dependant. Children can remain on their parent's policy if they're under 23 and not married. Student dependant. A student dependant is someone who is enrolled in full-time study, fully dependant on their parents and under 25 years of age. Adult dependant. You are able to get cover for your children aged between 21 and 25 who are not studying full-time with the Extended Family cover.
  Transport Health Pty Ltd	Child dependant. A child dependant is someone under the age of 21. Student dependant. A student dependant is aged between 21 and 25 and is enrolled in full-time study.
  TUH	Child dependant. Your children can get covered if they're unmarried and under 21 years of age. Student dependant. A student dependant is a child under 25 years of age, unmarried, and is enrolled in full-time study.
  Westfund Limited	Child dependant. Children are covered until they reach 18 years of age. Student dependant. A student dependant is someone enrolled in full-time study and under the age of 25.

What type of health insurance is best for students?

Basic hospital cover

Basic hospital insurance only needs to provide restricted cover for rehabilitation, hospital psychiatric services, and palliative care but many funds offer cover for a few more types of treatment. It's generally the most affordable type of student health insurance available.
Typical cost: Begins around $80/month for a single policy.

Read more about basic cover

Bronze hospital cover

Bronze student health insurance hospital covers a range of Medicare services, such as ear, nose and throat, gynaecology and bone, joint and muscle. It's a little more than a basic policy but is still relatively affordable, making it a good choice for students who want cover for more without the price tag.
Typical cost: Begins at around $80/month for a single policy.

Read more about bronze cover

Silver hospital cover

Silver level health insurance generally covers a wide range of Medicare services with some exceptions, such as pregnancy and obstetrics, assisted reproductive services, cataract and lens procedures, joint replacements, dialysis and sterilisation.
Typical cost: Begins at around $115/month for a single policy.

Read more about silver cover

Gold hospital cover

Top student health insurance hospital cover typically covers all 38 services where Medicare pays a benefit. This includes pregnancy and assisted reproductive services so is probably more than you need as a student.
Typical cost: Begins at around $160/month for a single policy.

Read more about gold cover

Some cheap health insurance options for students

We've picked out a range of good value basic health insurance options that might be good if you're a student. They're not necessarily the best basic policy for you since everyone's needs differ, but they all offer cover for the basics at an affordable price.

Top Pick for

HBF

HBF Basic Hospital Plus Elevate

Top Pick for

CUA

CUA Basic Saver Plus Hospital

Top Pick for

Bupa

Bupa Basic Plus Starter Hospital

Other ways to get cheap health insurance as a student

If you are a student, your income is possibly only coming from part-time work, so saving on the cost of your insurance is a high priority. Ways to do this could include:

• Only taking out basic hospital cover (or none at all) and concentrating your ancillary cover around those extras you use regularly
• Paying your insurance premiums annually in advance to avoid administration fees
• Paying your premium before the rate rise in March each year to lock in the current rate for another year
• Paying by direct debit, which can earn you a discount with many funds
• Opting for a higher excess in order to lower your premium
• Joining a restricted membership fund if you are eligible (such as an industry or employer fund) to enjoy lower premiums and more generous benefits
• Only paying for things you may need, such as emergency ambulance, and not for things that you probably won't need yet, such as obstetrics and IVF

Private vs public: what's right for students?

Medicare

The public healthcare system gives Australians access to essential services such as free emergency care in a public hospital and cover for some non-hospital treatments such as GP visits and medication. It doesn't cover everything and waiting periods tend to be longer compared to private health insurance, which is partly why over 50% of Australians also have health insurance.

Private health insurance

Private health insurance is essentially designed to make up for the gaps in Medicare. This includes most out of hospital services such as dental, physio and optical. It can also pay for ambulance services which are not free in most Australian states. Health insurance can also give you access to treatment in a private hospital and let you choose the doctor that treats you.

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FAQs about student health insurance

• What is the student discount?

  The student discount is an age-based discount designed to encourage younger Aussies to take out health insurance to alleviate the pressure on the public healthcare system. It's only available if you take out hospital cover.

• How do I apply to be a student dependant?

  The exact method for registering a student dependant varies between health funds though many allow you to register a dependant online. This can typically be done by following a few simple steps, including:

  • Logging in to your online health fund account
  • Clicking on the relevant tab or link to register a dependant
  • Changing the child's membership from that of a child dependant to a student dependant
  • Declaring that the child is a full-time student for the current calendar year
  • Specifying the educational institution at which the student dependant is studying
  • Declaring that the student dependant does not earn more than a certain amount of annual income, for example $20,000

  Alternatively, you may wish to phone your health fund directly.

• What traps should I avoid when looking for cover as a student?

  When looking for health insurance as a student, there are certain pitfalls to avoid, just as there are when comparing any insurance policies.

  • Price isn't everything. Even though you may not want to spend a great deal on your student cover, never choose a policy on the basis of price alone. The main reason some policies are more affordable than others is because they don't provide the same level of insurance.
  • Always read the PDS. The benefit limits, exclusions and terms and conditions are all itemised in this document. Signing up without reading them could see you only partially covered or not covered at all on certain treatments and services.
  • Don't just put your policy in a drawer and forget about it. Review it regularly, as a highly competitive insurance market means more cost-effective deals are emerging all the time.

• I'm an international student coming to Australia, what do I need?

  If you are a student from another country studying in Australia, you will need to have Overseas Student Health Cover (OSHC) while you are here. The only exceptions to this are if you are a Norwegian, Swedish or Belgian student, as these countries have their own schemes for overseas students or reciprocal health care agreements with Australia.

  OSHC covers you, your spouse and any dependants for visits to a GP, some hospital treatments, ambulance and some pharmaceutical benefits up to a predetermined annual limit. It does not cover extras such as optical and dental – you'll need to take out extras cover for this.

  Funds that offer OSHC in Australia include Allianz Global Assistance, BUPA Australia, Medibank Private, NIB OSHC and Australian Health Management Group (AHM).

• What extras cover can I get as a student?

  The services included in extras policies can vary widely between health funds. The three main levels of extras cover you might encounter are:

  • Comprehensive. Comprehensive insurance covers general and major dental, endodontic, orthodontic, optical, non-PBS pharmaceuticals, physio, podiatry, psychology and others.
  • Medium. Medium insurance often covers general and major dental, endodontics, optical, physio, chiro, podiatry and others.
  • Basic. A limited level of cover. These policies may cover a narrower range of services than Medium cover levels, or might have a similar range of cover but with lower limits, or reimbursement amounts.

  Most health funds offer packaged cover that includes both hospital and extras cover or allow you to mix and match your cover according to your needs. Always read the product disclosure statement (PDS), as some policies may not cover all costs associated with your treatment.