Allianz Care OSHC Review

Australia is a great place to live and study. Australians have a healthcare system called Medicare, which covers its citizens and permanent residents. But how do overseas students get health cover while studying in Australia? This is important because Condition 8501 of a student visa requires an international student to have adequate health insurance for their entire stay in Australia. Allianz Care is a leading provider of Overseas Student Health Cover (OSHC) in Australia. Allianz Care OSHC can meet your healthcare needs whether you’re a student, guardian of a student, or a temporary graduate.

Why Choose Allianz Care OSHC?

Allianz Care is one of the largest providers of OSHC for overseas students in Australia. Allianz Care student health insurance is fully recognised by Australian immigration for meeting your visa requirements while studying in Australia. With Allianz health care, you’ll have access to our extensive health network, including 24/7 emergency phone assistance for your healthcare needs.

Visa Compliance

Getting your OSHC with Allianz Care will meet your student visa requirements. The Australian Government requires you to have continuous OSHC for your entire stay in Australia unless an exception applies. You’ll need to pay your OSHC premium upfront so that you won’t be at risk of having your visa cancelled.

Health Network Access

Allianz Care health insurance provides you with access to our extensive network of doctors and medical providers to support you during your time in Australia. We provide you with several options. Some examples are:

  • Allianz Care Telehealth (powered by Doctors on Demand). Allianz Care Australia OSHC members can access a service that allows you to speak to an Australian-registered doctor 24/7 via a video call.
  • For eligible conditions, we offer a “Hospital in the Home” treatment model where a medical specialist comes to your home.

24/7 Emergency Support

With Allianz Care Overseas Student Health Cover, you can call us anytime, anywhere. No matter what time zone you’re in, our team of multilingual staff are available 24/7 to provide you with emergency assistance, policy information and day-to-day support. We’re here to help you whenever you need us.

Digital Convenience

To make your life easier, you can manage your Allianz Care insurance policy in Australia using the Allianz MyHealth app. It’s never been easier to submit your medical claims to us, and you can access your membership card and policy documents with the touch of a button. Using the app, you can also access emergency numbers and use our health assistant.

Allianz Care Overseas Student Health Cover Plans

Allianz Care provides several health cover options for you, depending on the type of visa you have. Whether you’re an overseas student, guardian of a student or a recent graduate who is temporarily living and working in Australia, Allianz Care has a health cover plan for you.

Cover for 500 Student Visa

Allianz Care OSHC offers three plans for students studying in Australia:

  • Single - This only covers overseas students who hold the 500 Student Visa.
  • Dual Family - This provides cover for the overseas student and partner. Or it can cover the overseas student and any dependent children.
  • Multi-Family - This provides cover for an overseas student, partner and their dependent children.

590 Guardian Visa

An international student under the age of 18 will need to be accompanied by an adult when they come to Australia for their studies. The Student Guardian (Subclass 590) visa allows you to visit Australia for up to 5 years to support a child who holds a student visa. Allianz Care provides cover plans for student guardians visiting Australia.

485 Graduate Visa

If you are an international student who has recently graduated from an Australian educational institution, the 485 Temporary Graduate Visa allows you to live, study and work in Australia temporarily. Allianz Care offers Overseas Visitor Health Cover (OVHC) for 485 visa holders in the form of single, dual-family or multi-family policies.

What Does Allianz Care OSHC Cover?

Allianz Care OSHC provides cover for medical basics while you are studying in Australia. This includes emergency ambulance transport, private and public hospital admissions, doctors and specialists (outside of a hospital), x-rays, blood tests and prescription medicines.


As an overseas student, your Allianz Care health insurance will cover 100% of the charge for transport by an ambulance (provided by or under an arrangement with an approved ambulance service) when it’s medically necessary for admission to a hospital or for emergency treatment.

Hospital Admissions (Private & Public)

With Allianz Care, our OSHC policy covers 100% of the Medicare Benefits Schedule (MBS) Fee for medical services provided during your stay in hospital. If you’re in a public hospital, you’ll receive shared ward accommodation for an overnight or same-day hospital stay. You can also receive private hospital accommodation, but this is only for hospitals that have a contracted rate with the Australian Health Services Alliance.

Medical Tests (X-rays and Blood Tests)

Allianz Care will cover 85% of the Medicare Benefits Schedule (MBS) fee for X-rays and blood tests. Please note that the benefit amount may vary depending on the type of medical service.

Prescription Medicine

Allianz Care will help you pay for some prescription medicine if it is listed in the Pharmaceutical Benefits Scheme (PBS). We’ll pay you the difference between the PBS patient co-payment and the amount you paid for the medicine - up to a maximum of $50 per item. This is also subject to annual limits of $1,000 for families and couples and $500 per year for singles.


Allianz Care Australia OSHC standard cover does not include dental, optical, physiotherapy or other extras treatments. We provide an optional health insurance policy (OSHC Extras) that covers things like getting physiotherapy, new reading glasses or having your teeth cleaned by a dentist.

How to Make an Allianz Care OSHC Claim

It’s simple to make an OSHC claim with Allianz Care. First of all, if you use our Find a Doctor tool, you can find health professionals nearby who will bill us directly, so there’ll be no need for you to make a claim. If you do need to make a claim, there are two different ways:

Compare Allianz Care’s OSHC & Receive Your Policy Certificate in Minutes

Allianz Care OSHC is designed to look after your health insurance needs while you live and study in Australia on a student visa. It’s easy to compare our cover and get a price. No matter where you are in the world, you can receive your policy certificate online within minutes.

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