{"id":7543,"date":"2023-09-29T12:31:38","date_gmt":"2023-09-29T11:31:38","guid":{"rendered":"https:\/\/www.aussizzgroup.com\/india\/?p=7543"},"modified":"2025-06-26T07:25:23","modified_gmt":"2025-06-26T06:25:23","slug":"individual-couple-overseas-student-health-cover","status":"publish","type":"post","link":"https:\/\/www.aussizzgroup.com\/india\/blog\/individual-couple-overseas-student-health-cover","title":{"rendered":"The Cost of Overseas Health Insurance for Couples Vs Individuals"},"content":{"rendered":"\n<p>When it comes to buying&nbsp;<strong>overseas health insurance<\/strong> there are a lot of decisions to make. One of the most important is whether you should buy individual or couple&#8217;s coverage.<\/p>\n\n\n\n<p>This article will discuss some of the major differences between these two types of policies so that you can make an informed decision about what type of overseas health insurance is best for your needs.<\/p>\n\n\n\n<h2>What is Couple Overseas Health Insurance?<\/h2>\n\n\n\n<p>The idea of private health insurance is to offer you and your partner protection against the costs associated with hospitalization, doctors\u2019 appointments, out-of-hospital medical services like dental care or physiotherapy that aren&#8217;t covered by Medicare.<\/p>\n\n\n\n<p>Outsmarting these expenses can be difficult for many people who are on tight budgets. Thus, it&#8217;s important not only to have this type of coverage but also to investigate what else might apply to get full value from insurers including the extra cover which offers help paying bills when emergencies arise.<\/p>\n\n\n\n<h3>How Does a Couple OSHC Policy Work?<\/h3>\n\n\n\n<p>If you&#8217;re legally married or in a de facto relationship, then there are two options for couples&#8217; health insurance. One is to take out separate policies and buy them together as partners; the other would be getting one policy that covers both of your needs under this arrangement.<\/p>\n\n\n\n<h3>What is Single Overseas Health Insurance?<\/h3>\n\n\n\n<p>A single health insurance policy will cover one person instead of multiple people. This means it can be more tailored to the needs and preferences of that specific policyholder, as opposed to needing what benefits parents or spouses may need to maintain their families&#8217; coverage.<\/p>\n\n\n\n<h3>What are Hospital Cover &amp; Extras Cover?<\/h3>\n\n\n\n<h4>Hospital Cover<\/h4>\n\n\n\n<p>Hospital insurance is a great way to protect yourself from high medical costs. Hospital policies can cover the cost of treatment when you are admitted as either an in-patient or outpatient, including doctor visits and hospital stays!<\/p>\n\n\n\n<ul>\n<li>theatre and hospital accommodation fees<\/li>\n\n\n\n<li>patient meals<\/li>\n\n\n\n<li>intensive care<\/li>\n\n\n\n<li>prostheses objects<\/li>\n\n\n\n<li>diagnostic tests<\/li>\n\n\n\n<li>drugs, dressings, and other medical supplies<\/li>\n<\/ul>\n\n\n\n<h4>Extras cover<\/h4>\n\n\n\n<p>A person with&nbsp;<strong>OSHC for Australia<\/strong>&nbsp;with Extras cover will be able to pay for out-of-hospital medical services, such as:<\/p>\n\n\n\n<ul>\n<li>dental treatment (including dental check-ups)<\/li>\n\n\n\n<li>optical including eye check-ups, glasses, and contact lenses<\/li>\n\n\n\n<li>orthodontic treatment<\/li>\n\n\n\n<li>chiropractic treatment&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>For people who question the need for an OSHC cover, a private bed at an Australian hospital with basic medical facilities could cost you as much as 1000 Australian Dollars a day. Too much of a \u2018hole in the pocket,\u2019 isn\u2019t it?Answering your question with basic statistics, if an overseas student looks to buy an OSHC, say, for one month, it costs, at an average, approximately AUD 41. (Varies as per the OSHC provider) Therefore, for a two\u2013year course, a person would end up paying close to 1000 AUD. Again, two persons would end up paying 2000 AUD for the same.<\/p>\n\n\n\n<p>However, in case a couples\u2019\u00a0<a href=\"https:\/\/getmypolicy.online\/oshc\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OSHC insurance<\/strong><\/a>\u00a0is taken, for the same month taken for individual calculation, it would, at an average end up costing them AUD 250 for a month and as much as 3000 AUD for a year. And, for the similar case as mentioned above, a whopping\u00a0<strong>6000 AUD\u00a0<\/strong>for a 2-year course!<\/p>\n\n\n\n<p>Just have a look at what has been highlighted. Do you realize that the insurance covered is the same, for the same number of people \u2013 two? Then how come the couples\u2019 insurance is three times the cost of 2 individual student insurances? Conventional thinking, however: Isn\u2019t it economically feasible to buy two such individual OSHC policies? Smart savings, right?<\/p>\n\n\n\n<p>Well, there is a clash of thoughts! As per the Australian home affairs, the OSHC policy for families or couples need not be combined, and each applicant can take out their covers respectively. (Economically simple and feasible, isn\u2019t it?) But keep in mind, that in almost all cases, the department of home affairs doesn\u2019t have anything else to do wrt. Individual\/couple insurance as their primary concern is addressed \u2013 You have made arrangements for adequate health insurance for your period of stay in Australia.<\/p>\n\n\n\n<p>However, the policies of insurance companies seem to collide with this view of thought. As per them, a couple is not allowed to have dual individual policies. They MUST have the couple\u2019s insurance.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><strong>Must Read:\u00a0<a href=\"\/india\/blog\/compare-and-buy-the-most-suitable-oshc-policy\" target=\"_blank\" rel=\"noreferrer noopener\">Savvy Ways to Compare &amp; Buy the Most Suitable OSHC Policy<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>There is&nbsp;<strong>NO CLEAR REASON<\/strong>&nbsp;for the extreme difference in prices, however. Here are a few possible reasons:<\/p>\n\n\n\n<ul>\n<li>You might take up two individual policies, but the insurance provider could annul the benefits of the claim on the pretext of a wrong insurance cover.<\/li>\n\n\n\n<li>The reason for the price difference could be covering pregnancy &amp; infant \u2013 treatment costs by the insurance provider. This again collides with a couple who don\u2019t intend to have a baby during their months of study in Australia. In such cases, there would be unwanted high payments.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><strong>Must Read:\u00a0<a href=\"\/india\/blog\/overseas-student-health-cover-for-pregnancy\" target=\"_blank\" rel=\"noreferrer noopener\">Pregnancy Care in OSHC! Essential Things You Need to Know!<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li>Even though individual policies are liable to get their visa approved, problems could arise in case of bill clearances. Also, if one of the two members or both visits a doctor, they could still be denied coverage on the pretext of possessing incorrect insurance.<\/li>\n\n\n\n<li>In the case of individual policies, your dependents are not covered if there is a need for prolonged treatment. This could result in excessive costs being made out of pocket and worse, you wouldn\u2019t even be able to claim for it.<\/li>\n<\/ul>\n\n\n\n<h4>Wrap Up:<\/h4>\n\n\n\n<p>Whatever your choice is, we are\u00a0<strong>here to help you<\/strong>. At\u00a0<strong><a href=\"https:\/\/getmypolicy.online\/\" target=\"_blank\" rel=\"noreferrer noopener\">GetMyPolicy<\/a>, <\/strong>choose between the best government-registered insurance providers and plans. Also, compare between them, see available features, and know precisely what you pay for. That is not all. Upload your policy and get\u00a0<strong>15 FREE PTE Practice Tests!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to buying&nbsp;overseas health insurance there are a lot of decisions to make. One of the most important is whether you should buy individual or couple&#8217;s coverage. This article will discuss some of the major differences between these two types of policies so that you can make an informed decision about what type [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7544,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[469],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Cost of Overseas Health Insurance for Couples Vs Individuals - AussizzGroup India<\/title>\n<meta name=\"description\" content=\"Compare single vs couple OSHC plans in Australia. 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