Policy Document

Essentials Overseas

Student Visa Cover

Overseas Student Health Cover

OSHC Overseas Student Health Cover


Allianz Global Assistance provides Overseas Student Health Cover OSHC for students seeking to apply for the Australian Student Visa Subclass 500. OSHC is mandatory for all applicants and we think that the Allianz cover is the best.

What's Covered by OSHC?

Hospital cover in OSHC

  • 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 


Ambulance cover included in OSHC

  • You’re covered by OSHC 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 included in OSHC


  • 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 about OSHC 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 website.

Overseas Visitor Health Cover

OVHC Overseas Visitor Health Cover


Allianz Global Assistance provides Overseas Visitor Health Cover OVHC for a range of eligible visa categories. From visiting visas to working visas you can find your visa below. If your visa subclass is not listed, then it is not an eligible visa for Overseas Visitor Health Cover OVHC purposes.


Working Visas and OVHC

Work visas issued in Australia allow temporary visa holders to undertake short-term, highly specialised, non-ongoing work which is an important part of the Australian workforce. These work visas are granted to diversify business expertise, address skill shortages, and increase entrepreneurial talent within Australia. Overseas Visitor Health Cover OVHC is required for the following visa:


  • 188 Business Innovation & Investment (Provisional)

  • 400 Temporary Work (Short Stay Activity)

  • 401 Temporary Work (Long Stay Activity)

  • 402 Training and Research

  • 403 Temporary Work (International Relations)

  • 407 Training

  • 408 Temporary Activity

  • 416 Seasonal Worker Program

  • 457 Skilled Temporary Work

  • 476 Skilled Recognised Graduate

  • 482 Temporary Skill Shortage (TSS)

  • 485 Temporary Graduate

  • 489 Skilled Regional (Provisional)

  • 491 Skilled Work Regional (Provisional)

Working Holiday Visas and OVHC

Working holiday visas allow holders to work while on holiday in Australia. The aim of these visas is to exchange cultural values, knowledge and skills, while visa holders experience what Australia has to offer. Working holiday makers can work full time in Australia, but for a maximum set period with each employer. Overseas Visitor Health Cover OVHC is required for the following visa:

  • 417 Working Holiday

  • 462 Work and Holiday

  • Second Working Holiday Visa


Visitor Visas

Visitor visas are granted to people who visit Australia on holiday, visiting friends and family, social or recreational reasons, or other short-term non-work visits. There are various types of visas available for visiting Australia which reflect the length of stay, nationality, current location and the purpose of the visit. Visitor visa holders have limited work rights in Australia. Holders can attend business meetings and undergo short training courses, but cannot work for an Australian employer. Overseas Visitor Health Cover OVHC is required for the following visa:


  • 300 Prospective Marriage Visa

  • 580 Guardian Visa

  • 590 Student Guardian Visa

  • 600 Visitor (where specified)

  • 601 Electronic Travel Authority

  • 651 eVisitor

  • 870 Sponsored Parent (Temporary) Visa

Bridging Visas

Bridging visas are temporary visas that are granted while a substantive visa application is being processed. Depending on the bridging visa, you may or may not return to Australia if you leave the country whilst you are waiting for your substantive visa to be approved. Bridging visas vary in terms of work rights - some are granted with full work rights, whereas others require evidence of financial hardship for grant of work rights. Consider Overseas Visitor Health Cover for:

  • 010 Bridging Visa A (BVA)

  • 020 Bridging Visa B (BVB)

  • 030 Bridging Visa C (BVC)

This category of health cover is not for overseas students. Please use Overseas Student Health Cover OSHC if this is what you require.

OSHC Overseas Student

OVHC Overseas Visitor

Confirmation issued directly via e-mail

Confirmation issued directly via e-mail

  • OSHC helps you pay for hospital and medical services which you may need while living in Australia.

  • Overseas Student Health Cover (OSHC) helps you to meet visa requirements

  • OSHC protects yourself from the unexpected.

  • OSHC gives you convenience and peace of mind while you’re studying in Australia.

  • ANVS connects you to the best OSHC.

Allianz Partners has recently undertaken a review of their ancillary services provided with our Overseas Student Health Cover (OSHC). Following this review, the Safety and Security Service, provided by Sonder, will no longer be provided as part of the Allianz Global Assistance OSHC Standard policies, sold by this Agency. This will come into effect 1 February 2020.

Allianz Global Assistance will continue to offer to OSHC customers:

  • A large network of qualified medical providers

  • 24/7 Assistance Helpline

  • Dedicated OSHC website

  • OSHC website available in different languages

  • AGA Telehealth Services, powered by Doctors on Demand

Allianz Partners will continue to review, enhance and adjust their services, as they remain dedicated to providing market leading partner support.