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Overseas Student Health Cover

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What is covered?

Hospital services covered under the policy
  • 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 stay
  • Private hospital accommodation (for hospitals that have a contracted rate with Australian Health Services Alliance)
  • You are covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment

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Treatment type Waiting period
Rehabilitation Nil*
Hospital psychiatric services Nil
Palliative care Nil*
Brain and nervous system Nil*
Eye (including cataracts) Nil*
Ear, nose and throat Nil*
Tonsils, adenoids and grommets Nil*
Bone, joint and muscle Nil*
Joint reconstructions Nil*
Kidney and bladder Nil*
Male reproductive system Nil*
Digestive system Nil*
Hernia and appendix Nil*
Gastrointestinal endoscopy Nil*
Gynaecology Nil*
Miscarriage and termination of pregnancy

12 month waiting period

OSHC Essentials – Nil
Chemotherapy, radiotherapy and immunotherapy for cancer Nil*
Pain management Nil*
Skin Nil*
Breast surgery (medically necessary) Nil*
Diabetes management (excluding insulin pumps) Nil*
Heart and vascular system Nil*
Lung and chest Nil*
Blood Nil*
Back, neck and spine Nil*
Plastic and reconstructive surgery (medically necessary) Nil*
Dental surgery (medically necessary)*** Nil*
Podiatric surgery (provided by a registered podiatric surgeon) Nil*
Implantation of hearing devices Nil*
Cataracts Nil*
Joint replacements  Nil*
Dialysis for chronic kidney failure Nil*
Pregnancy and birth

12 month waiting period

OSHC Essentials – Nil
Weight loss surgery Nil*
Insulin pumps** Nil*
Pain management with device Nil*
Sleep studies Nil*

*12 month waiting period for pre-existing conditions

**Insulin pumps covered under The Prostheses List

***Excludes cosmetic dentistry

Please note: Allianz Care Australia does not pay any benefits towards the cost of cosmetic surgery/procedures e.g. surgery that isn’t clinically necessary and which an MBS item is not billable.

Excluded hospital services
Assisted reproductive services
Out of Hospital benefits
  • General practitioner (GP) including telehealth - We will cover 100% of the Medicare Benefits Schedule (MBS) Fee. The benefit amount may vary depending on the type of medical service.
  • Specialists (out of hospital) - We will cover 85% of the Medicare Benefits Schedule (MBS) Fee. The benefit amount may vary depending on the type of medical service.
  • Medical tests - For example X-rays and blood tests. We will cover 85% of the Medicare Benefits Schedule (MBS) Fee. The benefit amount may vary depending on the type of medical service
  • Prescription medicines - We will pay you the difference between the Pharmaceutical Benefits Scheme (PBS) patient co-payment and the amount you paid for the medicine. You will be covered for up to $50 per approved prescription medicine with annual limits of $500 per year for singles and $1000 for families and couples.

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Outpatient services Waiting period
General practitioner visits - outpatient services Nil
Specialist visits - outpatient services Nil*
Pathology Nil*
Radiology Nil*
Allied health services Nil*
Pregnancy and birth - outpatient services

12 month waiting period

OSHC Essentials – Nil
Prescription medicine (out of hospital) Nil*
*12 month waiting period for pre-existing conditions
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.

Who can be covered?

t
Single Policy
Covers only the overseas student who is the primary Student Visa holder/applicant*
v
Dual family policy
Covers the overseas student and their partner, or the overseas student and their dependant children.
 
n
Multi-family policy
Covers the overseas student, a partner, and their dependant children.
 

The Australian Government requires that you have continuous OSHC for the entire length of your stay in Australia unless an exception applies. So when you purchase OSHC, you will need to pay your policy premium upfront to cover you for the length of the student visa you are applying for.

*If you hold a secondary student visa, you must be insured under the same policy as the primary student visa holder.  You are only eligible to hold a single OSHC policy if you are the primary visa holder.

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 $39.75 and you visit a doctor that charges $50. As your OSHC policy pays 100% of the MBS fee for GP consultations, your policy benefit amount is $39.75. As the cost to visit the doctor is $50 your out-of-pocket cost would be $10.25 ($50 less the policy benefit amount of $39.75).

For more examples of out of pocket expenses please refer to our simple guide.

  • 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 will differ depending on which OSHC policy you have purchased. The waiting periods  can be found in our policy wording documents. 

Standard cover

  •  No waiting period for general practitioner services, care or treatment for a psychiatric condition, or emergency treatment
  • 12 month waiting period for all pregnancy related conditions
  • 12 month waiting period for all other pre-existing medical conditions

Essentials cover

  • No waiting period for general practitioner services, care or treatment for a psychiatric condition, pregnancy-related conditions or emergency treatment
  • 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.

Still have more questions? Visit our help centre.

Policy Wording

Before purchasing ensure you read the policy wording document to ensure the policy is right for you.