Overseas Student Health Cover (OSHC) for International Students
Health Insurance for Students in Canada
While Canada offers an excellent education system and publicly funded healthcare, international students do not have access to free universal healthcare. However, there are still options available for international students to receive healthcare in Canada during their studies.
Canada’s healthcare system is divided by province, meaning that each province governs its own health insurance. If you purchase health insurance in one province, it will only be valid in that specific region. Therefore, it is important for international students planning to study in Canada to understand the healthcare options provided by the province they choose.
Types of Health Insurance in Canada
Here are some health insurance options available for international students in Canada:
International student health insurance
This type of insurance is designed specifically for students studying in Canada. It provides coverage for emergencies, mental health, and sports injuries.
International travel medical insurance
This insurance offers coverage for emergencies while traveling. It can be used as an additional supplement to your existing health insurance plan and includes benefits like emergency medical evacuation and coverage for unexpected illnesses or injuries.
International major medical insurance
If you are living outside your home country for an extended period, this long-term insurance plan is suitable. It can be renewed annually and provides coverage for individuals and their families.
Consider these options based on your specific needs and requirements.
Benefits of Health Insurance in Canada
Having health insurance is crucial for students attending college as it provides them with security and peace of mind in case of unexpected medical needs. It relieves the financial burden on both students and their families, allowing them to concentrate on their studies without worrying about healthcare expenses. Many educational institutions mandate students to have health insurance, so it’s important to explore available options before enrolling in classes.
Why is Health Insurance Required in Canada?
Having health insurance is crucial for international students studying in Canada. While certain Canadian provinces provide health insurance through their provincial plans, international students are typically not eligible for government-funded coverage.
It is important to note that without proper health insurance, students may have to pay for medical expenses themselves, which can be very costly. For example, in the absence of insurance, an MRI scan can range from CAD 900 to 2,400. Ensuring you have adequate health insurance coverage protects you from potential financial burdens in case of a medical emergency.
Cost of Health Insurance in Canada
All students in Canadian universities and colleges are required to have health insurance. The cost of health insurance for international students in Canada may differ depending on the location and the insurance provider. On average, the annual premiums for health insurance in Canada range from CAD 600 to 900.
Age of Students
International students studying in Canada are eligible to obtain an international student health insurance policy, which covers their medical expenses. If the student is accompanied by others, they will need to acquire separate health insurance policies for each individual.
Length and Coverage
As an international student in Canada, it is important to have medical insurance that provides coverage throughout your entire study period. If your university or college offers insurance, it will typically cover you until you complete your course. However, if necessary, you may need to purchase private health insurance or extend your existing policy.
Below is a table outlining the health insurance options available for international students in different provinces of Canada.
Ways to Apply for Student Health Insurance in Canada
- Apply for health insurance on the province’s website.
- Fill out the application form.
- Pay the premium amount.
- Contact a health insurance firm
- Choose a plan that caters to all your requirements
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