Study and travel insurance

Comprehensive Coverage

JP Migration provides tailored insurance covering medical expenses, travel disruptions, and lost belongings for international students in Australia.

Affordable Plans

The insurance plans are competitively priced to fit student budgets, offering quality coverage without adding financial strain.

Support During Emergencies

JP Migration’s insurance provides 24/7 support for emergencies and travel issues.

Compliance with Visa Requirements

The insurance plans meet Australian visa requirements, ensuring students stay compliant and protected.

STUdy INSURANCE

What is OHSC?

Overseas Student Health Cover (OSHC) is a specialized health insurance required for international students studying in Australia. It is mandatory for all student visa holders and must be maintained for the entire duration of their studies. OSHC provides coverage for various healthcare needs, including some hospital treatments, emergency ambulance services, visits to the doctor, and limited pharmaceutical expenses. This insurance ensures that students have access to essential medical services and can manage their health care needs while studying abroad.

What do you get with OHSC?

Hospital Bills

Your insurer will cover up to 100% of hospital costs if the treatment is covered by your policy. Coverage may be reduced if you use a hospital not partnered with your insurer.

Doctor’s Visits

Your insurer will cover up to 100% of the standard GP consultation fee set by the Federal Government. You will be responsible for any additional cost if your provider charges more.

Prescriptions, x-rays and bloodwork

You’ll typically receive a fixed yearly amount for prescriptions and coverage of up to 85% for specialist services, including X-rays and bloodwork.

Emergency ambulance rides

Your insurer will cover up to 100% of ambulance costs in an emergency. For non-emergency rides, you will be responsible for the expense.

What is not included with OSHC?

Be aware that your student health insurance policy may not cover certain medical services and treatments. Common exclusions include:

Treatments not covered by the Australian public health system
Care needed while traveling to or from Australia
Costs that could be covered by compensation or damages
Cosmetic surgery
Treatments arranged before traveling to Australia
Non-emergency ambulance transportation
Transportation of students or their dependents into or out of Australia
IVF and assisted reproduction services

Travel insurance

What does travel insurance cover?

Medical Costs

Most travel insurance policies offer extensive coverage with unlimited medical expenses and 24/7 emergency assistance, providing comprehensive support for unexpected health issues or emergencies while traveling.

COVID-19 Cover

You can get coverage for COVID-related medical expenses and up to $5,000 for cancellation or rearrangement costs, protecting you from financial impacts due to unexpected travel changes.

Flight Cancellations

It can also cover the cost of rebooking an alternative flight and, in many cases, provide coverage for accommodation if your trip is disrupted.

Lost Luggage

You can receive around $250 per day if your luggage is delayed by the airline, and many policies also cover stolen or accidentally damaged luggage.

4 things you need to know

Travel insurance doesn’t protect you from yourself

Your claim could be voided if the insurer finds that you acted irresponsibly. It’s important to consider this before engaging in risky behavior, such as consuming excessive alcohol or riding a moped without wearing a helmet, as these actions might jeopardize your coverage.
Rules about renting motorcycles and scooters on your holiday

Travel insurance will cover you only if you are riding with a valid Australian motorcycle license or an appropriate license from the country you’re in. Additionally, you must be wearing a helmet and adhere to any restrictions on engine size specified by the policy. Ensuring you meet these conditions is crucial for maintaining coverage while riding.
You might need to pay more for activities such as skiing and motorcycling

You can add this coverage when applying online. Most Australian insurers provide a list of covered activities in their Product Disclosure Statements (PDS), which often includes many activities at no additional cost. It’s a good idea to review this list to understand which activities are included in your policy.
You won’t always be covered for natural disasters and pandemics:

If you purchase your insurance policy after a natural disaster or a pandemic has become a “known event” (such as being widely reported in the news), you generally will not be covered for issues related to that event. However, there is an exception for the COVID-19 pandemic, as coverage for certain COVID-19-related claims may still be available. Always check the specific terms of your policy for detailed information.

Contact JP Migration Today
for Consultation!

Let us understand your aspirations and assist you in achieving them with practical advice and solutions.

JP Migration Study and travel insurance in australia