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What is overseas health extras cover?

Annalink OSHCstudents – Overseas Student Health Cover Extras is an affordable Extras cover designed for international students studying and foreigners in Australia.

This cover is not required by the Australian Government but OSHC Extras provides additional cover for the common services that young single people need occasionally, such as dental, optical, physiotherapy, chiropractic services and osteopathic services.

Extras insurance is popular in Australia because the government does not offer these services to all Australians for free.

Advantages of Extras cover

  • All that cover!
    Extras cover helps with things you generally don’t get for free from the public health system in Australia like:*
  • dental
  • optical
  • physio
  • chiro
  • osteo
  • acupuncture
  • remedial massage
  • hearing aids
  • laser eye surgery
  • Score a rebate
    Members can score a rebate (depending on your income) from the government to reduce the cost of Extras and Hospital cover premiums. It’s called the Australian Government Rebate on Private Health Insurance. View the income thresholds here.

Waiting periods

Nobody loves waiting. But all health funds have waiting periods to protect their whole membership from ‘hit-and-run’ claims from new members, or people who might join a health fund to claim after the event. Sort of like trying to get car insurance after you’ve already had an accident. (We know you wouldn’t do that, but there are some people out there who do!)

Some things you can claim straight away, and usually more expensive treatments have a longer waiting period. Just to be on the safe side for all our members.

Going to public hospital as a private patient? Public hospital waiting lists apply, so check with your doctor and the hospital. Following is an outline of our waiting periods.

  • 1 day: Ambulance
  • 2 months: All other services, except for those listed below: General dental, pharmacy, physio, chiro, podiatry & natural therapies
  • 6 months: Optical, Health management programs
  • 12 months: High cost dentistry, Pre/post-natal services (including midwifery)
  • 24 months: Laser eye surgery & hearing aids

Please note that not all items are listed and other waiting periods may apply. Please contact the fund for more information.

If you’re upgrading your extras cover, waiting periods still apply for the services that you weren’t previously covered for.


Annalink OSHCstudents

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