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If you are in Australia on a student visa you will need to pay for health insurance through the Overseas Student Health Cover (OSHC) scheme and maintain insurance for the duration of your visa.

All international students must be covered by health insurance from the date they arrive in Australia until the date they depart, regardless of when they start or complete their program. It is your responsibility to ensure your health insurance policy matches your arrival and departure dates.

The only exception is for students from Belgium, Norway and Sweden who are covered by CSN or Kammarkollegiet. These students will need to provide proof of official health insurance cover from their home government provider.

The five registered OSHC providers areÌýÌý(UNSW’s preferred health cover provider), BUPA Australia Health, Allianz, nib and Australian Health Management.

Medibank OSHC will pay benefits towards your medical and hospital treatment, medically necessary ambulance transport and most prescription medicines. Be aware that there may be some exclusions for pre-existing conditions and you may have to serve a waiting period to receive some services. Some services are not covered by Medibank’s policies. These include optical, physiotherapy, dental and some pharmaceuticals. If you want to be covered for these expenses, you will need to take out additional insurance.

Some programs and courses have costs, which are additional to the tuition fees, for expenses like laboratory kits, equipment and field trips. Textbooks are not considered compulsory, but we recommend budgeting around A$1,000 per year for books.

An estimate of your total costs (tuition and other study-related costs) will be shown on your Confirmation of Enrolment Form (CoE) that will be issued on acceptance of an offer of admission to UNSW.

Sydney is a wealthy city, but there are many ways to keep costs down.

You can shop at the cheaper supermarkets like Aldi, cook your own lunch or dinner, orÌýchoose from the manyÌýcheap restaurants, cafes, bars and pubs. To get an idea ofÌýcosts, see our estimates below.

Cost estimates*^

You will need at least A$25,000 a year as an international student.^ In addition, we recommend that you have at least A$4,000 when you arrive to cover the initial costs of books, rental bond and furniture. These estimates don't include large household items such as a refrigerator or car.Ìý

*ÌýLiving costs are indicative only and will vary based on the location, number of people you live with, the condition of the housing and your lifestyle. On-campus accommodation costs will vary depending on the type of the accommodation and the catering offered. This is calculated on a 44-weekÌýacademic year. There is an 8-week summer break from December to February, so if you stay in Australia during the break, you need to calculate for an extra 8 weeks of living expenses.

^The Australian government provides separate guidance on living costs which must be evidenced as part of the Student Visa application process. You can find up-to-date information at the .