Allianz OSHC — Overseas Student Health Cover
TABLE OF CONTENTS
- Already Have Allianz OSHC Through Your University?
- About Allianz OSHC
- What Does Allianz OSHC Cover?
- Allianz OSHC Policy Options
- How to Use Your Allianz OSHC in Australia
- Frequently Asked Questions About Allianz OSHC
- Not Sure if Allianz is Right for You?
Allianz OSHC is an approved Overseas Student Health Cover option for international students who need health insurance for a subclass 500 student visa in Australia. Compare Allianz OSHC before purchasing or learn how to use your existing cover.
Student Visa Cover
OSHC for subclass 500 student visa holders
Supporting Students Since 1999
Overseas student and visitor cover in Australia
Student Hub Access
Help understanding and using your OSHC
Find a Doctor
Search medical providers near you
Compare Providers
Review Allianz beside other OSHC options
Already Have Allianz OSHC Through Your University?
Many international students receive Allianz OSHC through their university, an education agent, or by arranging cover directly. If you already have Allianz OSHC, this guide can help you activate your membership, understand your certificate, find a doctor, access Student Hub resources, make a claim, and understand what’s covered.
If you’re still deciding, you can also compare Allianz OSHC with other options available to international students in Australia.
I already have Allianz OSHC
Learn how to activate your membership and start using your cover.
I’m comparing OSHC providers
Compare Allianz with other student health cover options. [Compare Allianz quotes]
About Allianz OSHC
Overseas Student Health Cover (OSHC) is health insurance for international students studying in Australia. Holding OSHC is a condition of your subclass 500 visa, and helps cover certain medical and hospital costs while you’re studying.
Students can get a quote and purchase Allianz OSHC directly, through a university, or via an education agent. Once confirmed, you’ll receive an OSHC certificate, which is the documentation you’ll need for your visa and university enrolment. From there, you can use the MyHealth app and Student Hub to manage your membership, search for providers, and submit claims when needed.
This page is published by OSHC Australia, an independent comparison site, not Allianz’s own website. That means you can see what Allianz covers and compare Allianz against other OSHC providers before you decide it’s the right fit.
Student Visa Cover
Approved OSHC option for subclass 500 student visa holders
Supporting Students Since 1999
Providing overseas student cover in Australia since 1999
Student Hub
Resources to help you understand and use your cover
Find a Provider
Search for doctors and clinics near you
Claims Support
Submit and track claims via the MyHealth app, email, or post
Compare Providers
See how Allianz stacks up against other OSHC options
What Does Allianz OSHC Cover?
Here’s what Allianz OSHC helps cover, and what you may still need to pay for yourself.
Hospital and Emergency
“Inpatient” means you’ve been formally admitted to hospital, rather than just visiting for a quick check-up. Allianz OSHC helps cover medically necessary treatment in public hospitals and in private hospitals where Allianz has an agreement in place. Emergency department treatment is included as part of hospital cover when medically necessary, and some hospital extras, such as a private room, may depend on availability and your specific cover.
GP and Medical Visits
A GP (general practitioner) is your local doctor. This is the first person you’d see for most non-emergency health concerns. Allianz covers GP visits at 100% of the Medicare Benefits Schedule (MBS) fee, while specialists and some out-of-hospital services are covered at 85%, which may mean you need to pay part of the cost yourself (a gap payment) if the clinic charges more than the MBS fee. Some clinics can bill Allianz directly, meaning you may not need to pay at the time of your visit – use Allianz’s find a provider tool before booking to check participating clinics.
Prescription Medicines
Allianz OSHC may contribute towards eligible prescription medicines listed on the Pharmaceutical Benefits Scheme (PBS). Medicines you can buy without a prescription – over-the-counter items – generally aren’t included. Up to $50 per script item applies after the PBS co-payment, with annual limits of $500 for single policies and $1,000 for dual and multi-family policies.
Emergency Ambulance
Allianz OSHC covers 100% of the charge for emergency ambulance transport when it is medically necessary for admission to hospital or for on-the-spot emergency treatment by an approved ambulance service. It doesn’t cover non-emergency transport – for example, a non-urgent transfer between hospitals, or calling an ambulance when it isn’t genuinely needed. In Australia, call 000 for any emergency.
Waiting Periods
A waiting period is the time between your policy starting and when you can claim for certain services. Allianz applies a 12-month waiting period for pre-existing conditions and a maximum 12-month waiting period for pregnancy-related care. Importantly, there is no waiting period for GP services, psychiatric or mental health care, or emergency treatment. These are covered from the start of your policy.
What Allianz OSHC Doesn’t Cover
Here’s what’s worth knowing before you need it, not after:
Routine dental treatment generally isn’t included under standard OSHC.
Optical items such as prescription glasses generally aren’t included.
Prescription medicine cover has annual limits, so check what applies to your policy.
Some services have waiting periods, including pre-existing conditions and pregnancy-related care.
If your provider charges more than the OSHC benefit, you may have an out-of-pocket cost.
Extras cover (for services like dental, optical and physiotherapy) is separate from standard OSHC, if available.
Got more questions? Jump to the FAQ section or compare plan details across Allianz’s policy options.
Allianz OSHC Policy Options
What you pay depends on your policy type, how long your visa runs, your start date, and who’s covered alongside you. Use the cards below to find the right policy category, then get a quote for an exact price.
Single Student OSHC
Best for one student
Covers one international student.
Used by most solo student visa applicants.
Policy dates should match visa requirements.
Final price confirmed through quote.
Dual Family OSHC
Best for student and partner
Covers the student and partner.
Both people must be listed correctly.
Policy dates must cover the required stay.
Final price confirmed through quote.
Multi Family OSHC
Best for students with family members
Covers the student, partner, and eligible children.
Dependants must be included on the policy.
Required for families applying together.
Final price confirmed through quote.
Single Parent OSHC
Best for one parent with children
Covers one student and eligible children.
Does not include a partner.
Policy dates should match visa requirements.
Final price confirmed through quote.
Want to see how Allianz compares with Medibank, Bupa, AHM, and other OSHC providers? [Compare All OSHC Providers]
How to Use Your Allianz OSHC in Australia
Having OSHC is one part of being able to study in Australia. Knowing how to use it once you’ve arrived is just as important.
Step 1 – Buy or Confirm Your Allianz OSHC
You might get Allianz OSHC through OSHC Australia, your university, an education agent, an IDP pathway, or directly through Allianz. Whichever way, check your email for your OSHC certificate, policy details, and membership information as soon as it arrives.
Step 2 – Activate or Set Up Your Membership
Follow Allianz’s setup instructions to activate your membership. Confirm your Australian contact details, save your policy documents, and check your policy start and end dates against your visa. Download the Allianz MyHealth app for your digital membership card, claim tracking, and 24-hour helpline access. The Allianz Student Hub also has guides to help you understand and use your cover.
Step 3 – Find a Doctor Near You
A GP is your local doctor and the first point of call for most non-emergency health concerns. Use Allianz’s find a provider tool to locate clinics that bill Allianz directly, so you pay little or nothing on the day. If a clinic doesn’t direct bill, pay upfront and claim back afterwards.
Step 4 – Make a Claim
Keep your receipts, invoices, and any referral letters from the appointment. You can make a claim through the MyHealth app, by email to [email protected], or by post. Allianz aims to process claims within 10 working days of receiving your completed form and supporting documents.
What to Do in a Medical Emergency in Australia
Call 000 for urgent ambulance, fire, or police help.
Go to the nearest public hospital emergency department if urgent.
Show your Allianz membership details when asked.
Contact Allianz support after receiving treatment.
Keep all hospital documents and receipts.
Frequently Asked Questions About Allianz OSHC
These are the most common questions international students ask about Allianz OSHC.
Does Allianz OSHC meet the requirements of my subclass 500 student visa?
Allianz OSHC is an approved health cover option for international students who need health insurance for a subclass 500 student visa. After purchase, you’ll receive a certificate of insurance confirming your cover dates – check that these line up with your full course length before applying.
What does Allianz OSHC cover?
Allianz OSHC helps with hospital treatment, GP and medical visits, emergency ambulance transport, and some prescription medicines, all subject to policy rules and limits. See the full coverage breakdown above for details on what’s included and what you may still need to pay for.
Does Allianz OSHC cover dental?
No – routine dental treatment generally isn’t included under standard OSHC. If you want dental cover, check with Allianz directly about OSHC Extras, which is a separate, optional product, or look into whether your university offers a low-cost dental service.
Does Allianz OSHC cover mental health?
Allianz OSHC includes cover for eligible mental health and psychiatric services with no waiting period – meaning you can access these services from the start of your policy. If it’s urgent, contact local emergency services or call 000.
How do I activate or set up my Allianz OSHC?
Use the membership details sent to you after purchase to follow Allianz’s setup process, confirm your contact details, and keep your membership number handy. See the step-by-step activation guide above for the full process.
How do I find a doctor with Allianz OSHC?
Use Allianz’s find a provider tool to search for GPs and clinics near you that bill Allianz directly. Ask the clinic upfront whether they direct bill. If they don’t, you’ll pay upfront and claim the cost back afterwards.
How do I make a claim with Allianz OSHC?
If your provider bills Allianz directly, you may not need to make a claim at all. The cost is settled between Allianz and the clinic. If you pay upfront, keep your receipts and submit a claim via the MyHealth app, by email to [email protected], or by post.
Can I switch from Allianz to another OSHC provider?
Yes, you can switch providers at any time – but you must maintain continuous cover to stay compliant with your visa, so check your policy end date, refund rules, and waiting period transfer conditions before making the move. Compare your options here to see how Allianz stacks up against other providers.
How much does Allianz OSHC cost?
Price depends on your cover dates, visa length, policy type, and who’s included on your policy – compare live quotes through OSHC Australia to get an accurate figure for your exact situation.
What is my Allianz OSHC certificate or policy document used for?
Your certificate confirms you’ve purchased OSHC and shows your cover dates. Keep a digital and physical copy accessible, as you’ll likely need it for your visa application and university enrolment.
What is the Allianz Student Hub?
The Allianz Student Hub is an online resource with guides on using your cover, including pregnancy care, switching providers, and policy rules. Allianz also has on-campus representatives at universities across Australia for in-person help with claims and general queries. Visit the Student Hub to explore.
Not Sure if Allianz is Right for You?
That’s exactly what this site is for. Compare Allianz with Medibank, Bupa, nib, AHM, CBHS, and other OSHC options side by side, so you can choose with confidence rather than guesswork.
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