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Why choose Allianz Global Assistance?

Allianz Global Assistance has provided health insurance and assistance to overseas students and visitors since 1999. Working with many of Australia's leading education and agent institutions, we are a leading provider of overseas student and visitor health cover.

As a company, we 'Dare and care, anytime, anywhere'. We Dare to be different with many new exciting projects now being delivered. We Care by inviting you to focus on you and your student or customer needs.  

We offer a flexible approach to overseas student health cover (OSHC) and overseas visitors health cover (OVHC) with assistance services relevant to students, education institutions and partners. Our digital transformation project provides the most user-friendly health cover experience in the industry. Simple information and clear messages for our international students and visitors facilitates a great and safe stay whilst in Australia. 

Our health cover benefits are similar to those Australians receive through Medicare (Australia's public health care system). For students or visitors who get sick or have an accident in Australia, depending on the coverage level selected, we help pay for the medical cost for:

  • Hospital costs
  • Emergency ambulance
  • Doctor's appointments
  • Prescription medicine

Why Allianz Global Assistance?

  • Caring for International students and visitors since 1999
  • Major health cover provider for many Australia's universities and large pathway providers
  • 24/7 call centre and emergency support based in Australia
  • Friendly team with international experience
  • Simple health cover solutions for student visas and working visas including 485 and 600

Allianz Global Assistance OSHC covers you for: 

Hospital care

  • 100% of the Medicare Benefits Schedule (MBS) fee for medical services including your doctor, specialist, surgeon, anaesthetist, X-rays and blood tests provided in hospital.
  • Shared ward accommodation, same day services, accident and emergency and outpatient medical and post-operative services in public hospitals.
  • 100% of the charges for all costs for overnight or same-day hospital stays in private hospitals which have an agreement with your OSHC provider. 
  • Surgically implanted prostheses (such as an artificial joint for a hip replacement) up to the approved amount listed on the Federal Government’s Prostheses List such as pace maker, eye lenses, hip and knee replacements, human tissues and more. 
  • Hospital costs can be expensive, so it’s always best to contact your OSHC provider before seeking hospital treatment.


Ambulance cover

You’re coved for unlimited emergency ambulance transportation to hospital for admission and on-the-spot emergency treatment by recognised providers anywhere in Australia. A medical emergency is an acute injury or illness that poses an immediate risk to your life or your long-term health. For non-medical emergency treatments, you can visit a medical centre or clinic.

Doctors and specialists

You will usually see a doctor or specialist in a medical centre.

  • 100% of the MBS fee for medical services provided by a doctor or General Practitioner (GP).

    Example:
    if your GP charges more than the recommended MBS, you’ll need to pay for the difference. This is called an out-of-pocket cost.
     
  • 85% of the MBS fee for medical services provided by a specialist. E.g. x-rays, blood tests and other pathology services.

    Example:
    a medical service is listed under Medicare as $200 and your specialist charges $250. Your OSHC provider will pay $170 (85% of $200) and your out-of-pocket is $80.


Prescription medicines

Prescription medicines are medicines that your doctor must authorise before you can buy them from a pharmacist.

  • If you are prescribed medicine by a doctor or specialist, and the medicine appears Pharmaceutical Benefit Schedule (PBS) approved listing of medications, then you are eligible to claim up to $50 per approved prescription medicine, up to a total of $300 for single and $600 per family membership per calendar year (1 January to 31 December)
  • However, you will have to pay a minimum amount first before the above benefits are payable. This minimum amount is known [CM1] as the Pharmaceutical Benefit Schedule (PBS) co-payment fee and Australian residents must pay it too. This amount does vary each year.

    Example one:
    If a prescribed medicine costs $75, you will need to pay the minimum PBS amount ($38.80 2018 PBS Rate), and then your OSHC provider will pay a benefit of the remaining $36.20.

    Example two:
    If a prescribed medicine cost $200, your OSHC provider pays the full $50 benefit as per your OSHC, and your out-of-pocket is $150.00 which is a combination of the PBS ($38.80 + the remaining $111.20).

More information

For policy details please refer to the OSHC Standard Policy Document

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