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What is covered by OSHC?

OSHCstudents – Overseas student health cover helps international students pay for their medical services during their stay in Australia. Make the most of your OSHC by understanding what’s covered and what’s not.


  • 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 are covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment
Doctors (out of hospital)
  • 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.

  • Up to $50 per approved prescription medicine

Annual Limits:

  • Up to $500 each year for singles
  • Up to $1,000 each year for familes or couples

Disclaimer For more details read the relevant Policy Document. 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 and Aged Care website.

OSHCstudents (source: Allianz Care Australia)

News related

Baek Ah Yeon

I trust Allianz Care since it is one of the largest insurance companies in Australia, with the medical centres where I only have to pay for what is left from insurance support. (no need to claim later). Besides, those centres are located at the centre of the city, close to schools. Very convenient, right? Credits to Allianz Care for providing reliable medical centres for health check and treatments.

Baek Ah Yeon | University of Queensland

Ariella Pei

I’ve been living with homestay family for 2 years. I’m now 19, I can move out but I don’t want to leave my host, who has become my family. It feels like I’ve met my second family. Thanks OSHCstudents for sending me to this homestay!

Ariella Pei | University of Canberra

Chatchawat Paton

I realised how important insurance was when I started living in Australia. There I switched to using Allianz Care instead of the previous service. Allianz Care is extraordinarily good in its consulting service and customer care. I’ve learned a lot about Australian health care, also I was consulted with mental issues and how to live a healthy lifestyle. I am very happy now.

Chatchawat Paton | Torrent University

Xiaoyu Cheng

Thanks to Allianz Care, every time I claimed my medical receipts it processed much more quickly and easily than I expected. I was initially a bit concerned since Allianz Care is more expensive than other insurance companies, but now I can ensure that it is totally worth the money.

Xiaoyu Cheng | Monash University

OSHCstudents Services


  • PTE Platform
  • Inus
  • Flywire
  • Imagine Education Australia
  • Shorelight
  • Opera City English College


  • King Education
  • North Sydney College English
  • NIB
  • HCC
  • Global Experience
  • Bupa
  • Vodafone
  • OVHC Iman
  • Allianz
  • Medibank
  • AHM