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Student health insurance

With student health insurance you can get up to 10% off your hospital cover if you’re under 29. Compare policies from $85 and click through for your discount.

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1 - 10 of 53
Name Product Treatments Price Apply
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$12.48
per month
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$12.63
per month
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
Freedom 50
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$14.02
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +2 other treatments covered
$16.89
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$17.60
per month
Starter Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$23.33
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$24.92
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$26.10
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$26.54
per month
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Compare up to 4 providers

1 - 10 of 125
Name Product Treatments Price Apply
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$71.58
per month
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
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
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$76.41
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$76.75
per month
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
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
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
  • 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
  • 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
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1 - 10 of 755
Name Product Treatments Price Apply
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
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
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
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
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
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
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
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
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
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
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Compare up to 4 providers

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.

Are you an overseas student? You'll need Overseas Student Health Cover (OSHC) for your visa.
Compare OSHC here

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.

However, this is set to change. Both Members Health Fund Alliance and Private Healthcare Australia (the private health insurance industry's peak representative bodies) have indicated that health insurers will soon allow you to stay on your parents' policy until you're 31, thanks to legislation changes.

What type of health insurance is best for students?

Basic health cover

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.

Bronze health 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.

Silver health 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.

Gold health 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.

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.


*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

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?

Public system

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.

Surgical Extraction

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.

Compare student health insurance here

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FAQs about student health insurance

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2 Responses

  1. Default Gravatar
    LeanneApril 8, 2022

    Hi, I’m hoping you can please help me. My daughter is 20 and a uni student and is looking for just dental insurance, nothing else. No ambulance, hospital etc. I’m not sure if this is even possible. Could you please point me in the right direction. Thankyou Leanne

    • Avatarfinder Customer Care
      JamesApril 22, 2022Staff

      Hi Leanne,

      Dental insurance is a feature of most private health insurance extras policies. You can purchase extras cover independently from hospital cover.

      Read our guide on dental insurance to know more about how dental cover works.

      You can use the table on the guide to compare insurers. When you’re ready, click the ‘Go to Site’ button to learn more about the provider and apply online securely.

      Regards,
      James

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