Allianz Care offers two Overseas Student Health Cover (OSHC) options designed to help international students meet Australian student visa (subclass 500) requirements while accessing quality healthcare and support services throughout their time in Australia. Both plans provide comprehensive hospital and medical cover, with OSHC Essentials offering additional wellbeing and support benefits.
Overseas Student Health Cover
Compare Allianz Care OSHC Plans
Choose the OSHC plan that suits your student journey
Compare OSHC Standard and OSHC Essentials
Doctors (GPs) outside of hospital
100% of the MBS fee
100% of the MBS fee
Medical specialists outside of hospital
85% of the MBS fee
85% of the MBS fee
Hospital treatment and accommodation
85% of the MBS fee
85% of the MBS fee
Prescription medicines and approved vaccinations
Approved vaccinations are determined by us. More information is available on our vaccinations page.
We will pay the difference between the PBS patient co-payment and the amount you paid for prescribed PBS listed medicines or approved vaccinations, up to $50 per item. Annual limits apply ($500 for Single and $1000 for Dual and Multi-family cover).
We will pay the difference between the PBS patient co-payment and the amount you paid for prescribed PBS listed or TGA approved medicines or approved vaccinations, up to $50 per item. Annual limits apply ($750 for Single, $1,500 Dual and Multi‑family cover).
X-rays and blood tests
85% of the MBS fee
85% of the MBS fee
Medical devices and human tissue products
100% of the minimum benefit of the Prescribed List of Medical Devices and Human Tissue Products
100% of the minimum benefit of the Prescribed List of Medical Devices and Human Tissue Products
Medical repatriation cover
Up to a maximum benefit of $100,000 per policy
Out of hospital psychology consultations
We will cover an additional benefit of up to $50 per consultation, paid on top of the benefit amount listed in the MBS. Annual limits apply.
Allianz MyHealth App
Included
Included
24/7 Emergency Helpline
Included
Included
24/7 Sonder wellbeing support
Included
Included
On-campus support
Included^
Included^
*Annual limits apply. For the full exclusions, limitations, waiting periods, terms and conditions please read the policy wording.
^Students can access Allianz Care representatives on participating campuses for personalised support and assistance throughout their studies.
OSHC Standard and Essentials plans coverage details
Both OSHC Standard and OSHC Essentials provide cover for medically necessary hospital and medical treatment, including:
Hospital services
- Hospital accommodation
- Emergency ambulance transport
- Hospital psychiatric services
- Rehabilitation
- Cancer treatments including chemotherapy, radiotherapy and immunotherapy
- Heart and vascular procedures
- Kidney and bladder treatment
- Brain and nervous system treatment
- Pregnancy and birth
- Joint replacements
- Dialysis for chronic kidney failure
- Sleep studies
- Medically necessary plastic, reconstructive and dental surgery
Out-of-hospital services
- General practitioner (GP) consultations, including eligible telehealth services
- Specialist visits
- Pathology and radiology
- Pregnancy-related outpatient services
- Prescription medicines and approved vaccinations
Member support
- Allianz MyHealth App
- 24/7 Emergency Helpline
- Sonder 24/7 medical, mental health and safety support
- Access to Allianz Care's national provider network
Why upgrade to OSHC Essentials?
Enhanced mental health support
OSHC Essentials includes an additional benefit of up to $50 per approved psychology consultation on top of the Medicare Benefits Schedule benefit, helping reduce out-of-pocket costs for eligible mental health services.
Higher annual medicine limits
Students on OSHC Essentials receive higher annual limits for prescription medicines and approved vaccinations compared with OSHC Standard Cover.
Medical repatriation benefit
OSHC Essentials includes up to $100,000 in medical repatriation cover, providing support for repatriation to your home country in the event of serious illness, injury or death.
Understanding waiting periods
Waiting periods apply equally across both products.
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| Treatment type | Waiting period |
| GP services | No waiting period |
| Psychiatric treatment | No waiting period |
| Emergency treatment | No waiting period |
| Pregnancy-related conditions (policies with a duration of less than 2 years) | 12 months |
| Pre-existing medical conditions | 12 months |
The waiting period is calculated from the later of:
- Your arrival date in Australia; or
- The date your student visa was granted.
Pre-existing conditions
A pre-existing condition is defined in our Policy Wording Document as:
a) the person has an ailment, illness or condition; and
b) in the opinion of a medical practitioner appointed by us, the:
- signs or symptoms of that ailment, illness or condition existed
- at any time in the period of 6 months ending on the day on which the person became insured under the policy.
No waiting period will apply if you receive any of the following types of treatment:
- general practitioner services;
- care or treatment for a psychiatric condition; or
- where our medical practitioner certifies that you or your dependant require emergency treatment in Australia.
Which plan is right for you?
Choose OSHC Standard if you:
Choose OSHC Essentials if you:
Things you should know
The Medicare Benefits Schedule (MBS) is a list of medical services (e.g. a standard consultation with a GP or surgery in hospital) subsidised by the Australian Government with a fee (known as a ‘schedule fee’) payable for each item.
The schedule fee is the amount the government considers appropriate for one of these services and determines the amount that Australians receive when they claim a medical service through Medicare.
Visit the Department of Health and Aged Care MBS Online website for more information.
You must pay any difference between the benefit we pay and the actual fee charged by the doctor, known as an out-of-pocket expense or gap fee.
For example, if the MBS fee for a general practitioner (GP) consultation is $43.90* and you visit a doctor that charges $60. As your OSHC policy pays 100% of the MBS fee for GP consultations, your policy benefit amount is $43.90*. As the cost to visit the doctor is $60 your out-of-pocket cost would be $16.10 ($60 less the policy benefit amount of $43.90*).
For more examples of out of pocket expenses please refer to our simple guide.
*MBS fee is subject to change without notice. We recommend you confirm all costs with your doctor or hospital before any procedure or consult so that you are aware of all costs including any out-of-pocket fee. For more information about the MBS fee, visit https://www.mbsonline.gov.au/
- Any costs or services associated with dental treatment, physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services, unless the services provided meet the requirements of the Medicare Benefits Schedule.
- Medications, drugs or other treatments not prescribed by a doctor and not included in the PBS
- Optical charges
- The co-payment payable by you or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee
- Service fees charged by a doctor or hospital which are not included in the benefits covered under your policy.
- For more information about what’s not covered read the policy document.
A waiting period is the time you need to wait before a benefit is available. You can claim for benefits available on your policy for expenses incurred after the waiting period has ended.
Waiting periods may apply if claiming medical costs related to pregnancy, or pre-existing conditions. The waiting periods for OSHC are:
- No waiting period for general practitioner services, care or treatment for a psychiatric condition, or emergency treatment
- Pregancy related conditions: 12-month waiting period for policies less than 2 years in duration. No waiting period for policies with a duration of 2 years or more.
- 12 month waiting period for all other pre-existing medical conditions
The waiting period is calculated from:
- the date you or your dependant arrived in Australia; or
- the date your student visa was granted, whichever is the later date.
For more information refer to the applicable policy wording document.
Ready to get covered?
Join one of Australia's leading OSHC providers and access trusted healthcare support, digital tools and wellbeing services throughout your studies in Australia.