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Welcome to OSHC

While you are away from your home country, accidents and illness may happen, resulting in expensive medical costs.

In Australia, Overseas Student Health Cover (OSHC) is a mandatory requirement of your student visa. You must have OSHC for the entire time you are studying here.

OSHC also gives you peace of mind knowing your health will be looked after you can easily access medical services while you are in Australia – so you can focus on your studies and enjoying your time here.

Need some medical advice?

24/7 assistance helpline

You can get medical advice over the phone 24 hours a day, 7 days a week. Just call 1800 814 781.

If you feel sick, you will be able to speak to a doctor or nurse who can give you advice about your symptoms. You can also find out where your nearest hospital is, get legal advice and get interpreting help.


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Cover Options

  • Single
  • Couple
  • Family
  • Extras

  • Dental
  • Optical
  • Physio
  • What is Covered?

    What’s Covered?


    • 100% of the  Medicare Benefits Schedule (MBS) fee for medical services provided in hospital
    • Public hospital shared ward accommodation for overnight or same-day hospital stays
    • Private hospital accommodation (for hospitals that have a contracted rate with Australian Health Services Alliance)
    • Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List


    • You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment

    Doctors and specialists (out of hospital)

    • 100% of the MBS fee for medical services provided by a General Practitioner (GP)
    • 85% of the MBS fee for medical services provided by a specialist (e.g. visiting a radiologist to get an x-ray)
    • 85% of the MBS fee or other medical tests (e.g. blood tests)

    Prescription medicines

    • Up to $50 per approved prescription medicine
    • Up to $300 each year for singles
    • Up to $600 each year for families or couples

    Disclaimer For more details read the relevant policy document below. You can only claim prescription medicines included in the Pharmaceutical Benefits Scheme (PBS) list and for items that cost more than the PBS co-payment fee. To see the full list of PBS medicines and the current co-payment fee, visit the Department of Health website.


    What is not covered?

    Extras services are not covered. These include:


    Physiotherapy and chiropractic services

    Contact lenses and eye glass prescriptions.

    How can I get extra cover?

    If you want extra cover for the above services which are not covered by AGA OSHC, visit our website to view your options: allianzassistancehealth.com.au/en/ student-visa-oshc/cover/

    Waiting Periods

    What if I have a pre-existing medical condition?

    Some students arrive in Australia with pre- existing medical conditions.

    A pre-existing medical condition is an illness or health issue you had during the 6 months before you arrived in Australia, or the 6 months before your student visa was granted (whichever was later).

    Even if you didn’t know you had a condition or you didn’t see a doctor about it, our medical practitioners may find you showed signs or symptoms of it.

    The Standard OSHC policy includes a 12-month waiting period for the treatment of most pre-existing conditions. (Pre-existing mental health conditions generally have a 2-month waiting period.) This means if you receive treatment for your condition during the relevant waiting period, you cannot claim for the costs and you will need to pay the entire cover.

    Accommodation Types

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    • Monday09:00 AM - 05:00 PM
    • Tuesday09:00 AM - 05:00 PM
    • Wednesday09:00 AM - 05:00 PM
    • Thursday09:00 AM - 05:00 PM
    • Friday09:00 AM - 05:00 PM
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