Rising living costs are shaping nearly every aspect of international students’ lives in Australia, from what they eat to how they access healthcare, according to a new report from Allianz Partners Australia.
The 2025 State of Student Healthcare study found that 85% of surveyed students said expenses were higher than expected, with cost-of-living emerging as the most common source of stress. The pressure is reflected in daily routines, with 62% reporting they do not maintain a balanced diet and many skipping meals to save money.
Healthcare access is another area where cost plays a role. More than four in five students expressed concern about affordability, while only 17% said they strongly understand how the Australian healthcare system works. When tested on practical scenarios, just 58% were able to choose the correct care pathway, suggesting gaps between perceived and actual knowledge.
The report also pointed to limited preparation before arrival. Two-thirds of respondents said structured healthcare education prior to moving to Australia would have improved their experience, particularly in navigating services and avoiding unexpected costs.
At the same time, financial pressure is intersecting with broader wellbeing concerns. While 60% of students said they feel optimistic about the future, 34% reported a decline in their mental health since arriving, compared with 39% who said their condition had improved.
Among those who reported experiencing a mental health condition, 38% said they had not received treatment. Barriers cited included cost, discomfort discussing mental health, and concerns that disclosure could affect studies or employment.
Social and employment challenges further shape student experiences. Nearly two-thirds said they find it difficult to form friendships with Australians, though connecting with other international students is generally easier. Language confidence also influences outcomes, with students reporting lower English proficiency more likely to face difficulties finding work.
The report identified visa restrictions, limited professional networks, and competition with local candidates as key employment barriers.
“What the data consistently shows is that student outcomes do not exist in isolation. Financial security, social connection and English language confidence all interact to shape the student experience. The goal of SOSH is not just to measure the experience, but to help improve it,” said Miranda Fennell, executive head of health at Allianz Partners Australia.
