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What is OSHC ?

Allianz, AHM, Medibank, Bupa are the authorized insurance companies that are legally approved by the Federal Government of Australia to provide Overseas Students Health Care (OSHC) insurance for international students while studying and living in Australia. OSHC is a mandatory condition for student visa application as per visa requirements.

OSHC is a health insurance (health cover) designed to help international students to cover the costs of medical and hospital treatment international students may need when having accidents or illnesses for your duration of staying in Australia. You will be advised in advance that these costs are often very expensive in Australia.

www.oshcstudents.com.au is the internationally recognized network which offers a wide range of products and services for international students/visitors and organizations. Our services are customized to suit almost all demands of anyone who will spend their life overseas as a visitor or a student. Our services range includes but not limited to insurance, accommodation, homestay, guardian, phone/sim cards, and money transfer.


www.oshcstudents.com.au helps you to:

  • Get a fast and free OSHC insurance quote online.
  • Access useful information concerning OSHC. You can search for any products and services from a reliable provider before making your decision.
  • Register and make online payment conveniently and flexibly.
  • Issue insurance certificate quickly that helps you to submit your visa in time.
  • Provide essential information before departure to Australia such as OSHC policy, how to get a membership card, understanding about the Australian Health Care System, finding health care clinics and getting in contact with the nearest OSHC office.
  • Provide 24/7 assistance. OSHCstudents support team is available to support you any time.

why choose oshcstudent


OSHC provides healthcare services that are similar to Australians that include the followings:

  • Medical services provided by a local doctor who is referred as general practitioner in Australia
  • Out of hospital medical treatment
  • In-hospital medical treatment
  • Prescription medicine
  • Ambulance service

What is covered?

OSHC is committed to providing you a coverage that is similar to the benefits Australians receive from Medicare (the public health system for Australian citizens and permanent residents). Furthermore, OSHC also helps you to access private hospital and day surgery, emergency ambulance service, pharmaceutical benefits. More details are as follows:

1. Out of hospital medical treatment

  • Medical services provided by a general practitioner (client shall receive the full amount (100%) of the costs as listed in the Medicare Benefits Schedule-MBS).
  • All other medical services such as general health care check and radiology (which include healthcare specialists): 85% of the costs as listed in MBS.

2. In-hospital medical treatment: 85% of the cost as listed in MBS.

3. Public hospital: Clients are admitted to shared ward hospital accommodation or a separate accommodation in the hospital dormitory, same day service, accident and emergency and out-patient medical and post-operative services: The fees are calculated by the State and Territory health authorities for services charged to a patient who is not an Australian citizen and permanent resident.

4. Private hospital/registered day hospital facility: 100% of the charges for all insurable costs raised by a contracted hospital with a minimum of shared ward hospital accommodation.

5. Prescription medicine: For any prescription medicines written out by your doctor, client shall get 100% of the costs as regulated in Pharmaceutical Benefits Scheme-PBS

  • A maximum amount of $50 for any prescribed item.
  • A maximum amount of $300 for a single membership per annum.
  • A maximum amount of $600 for a family membership in which $300 is for each person.

6. Ambulance service: 100% of the transportation cost when this service is needed for emergency treatment.

7. Surgically implanted prostheses: 100% of the costs as listed in the Australian Prostheses List regulated by the Federal Government of Australia.

What is not covered?

  • Dental treatment.
  • Optical care.
  • Services provided by physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services.
  • Prosthetic surgery not considered medically necessary Unrequested prosthetic surgery
  • Co-payment or payment gap (that you have to pay yourself).
  • Assisted reproductive program.
  • Treatment for a pregnancy within the first 12 months after your arrival in Australia.
  • Treatment for any illness with pre-existing condition within the first 12 months after your arrival in Australia.
  • Medicines/drugs not prescribed by a doctor or not listed in the Pharmaceutical Benefits Scheme.
  • Medical services in hospitals for any treatment not listed in the Medicare Benefits Schedule.
  • Medications, drugs or other treatments not prescribed by a doctor or not included in the Pharmaceutical Benefits Scheme.

Click here to know more about Overseas student heath cover



Pls contact us for further information and assistance.
Email: info@oshcstudents.com
Hot line: +61 2 8123 0900/+61 2 8123 0901

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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

Phuong Anh

Having lived in Australia for 2 years, I’ve been reliant on AHM OSHC to pay for my health care, which supports me for other expenses. Last year, I sent my claim requests for several times and always received the claims within two days. Everything is easy, fast and simple.

Phuong Anh | Victoria 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


My homestay was very comfortable and convenient. My host was really kind. He showed me where to shop, which buses to catch, where the nearest train station is, to get off at which station so that I wouldn’t be taken to another suburb. Travelling was easy since the place was close to public transports. It only took 30 minutes to get to my college, actually I could go anywhere easily!

Emma | Macquarie University

Jing Zhang

When told that I was going to live with an Italian family, I was pretty nervous and doubted whether or not they could speak English well as the local people? Yet it was no longer a problem when I saw them. They knew the problems of people who first came to Australia and always tried to help me. I learned so many things about both Australian and Italian culture and enjoyed tasty Italian meals every time. Awesome!

Jing Zhang | Griffith University

OSHCstudents Services


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