Allianz Care Australia OSHC Review

The Allianz OSHC policy is designed for 500 Student Visa holders and helps out with the basics while you're living and studying in Australia. It covers you for private and public hospitals admissions, ambulance transportation, GP visits, medical tests and prescription medicine.

Get quote for Allianz Care Australia OSHC

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Name	Product	Visa Compliant	Smartphone Claiming	Private Hospital	GP Visits	Pharmaceutical	Price
Allianz Care Australia Overseas Student Health Cover						$300 ($600 for families)	From $43.00 per month	Get quote More Info	Compare	loading Fetching your data...

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• Disclaimer

  Allianz Care Australia Overseas Student Health Cover policies are authorised under a Deed entered into between Peoplecare Health Limited and the Australian Government through the Department of Health. Allianz Care Australia Overseas Student Health Cover and Overseas Visitor Health Cover policies are issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 trading as Allianz Care Australia. Peoplecare Health Limited ABN 95 087 648 753, a registered private health insurer under the Private Health Insurance Act 2007 (Cth), is the underwriter of Allianz Care Australia Overseas Student Health Cover and Overseas Visitor Health Cover policies.

What types of health insurance does Allianz OSHC offer?

Allianz OSHC eligibility, general exclusions, waiting periods and excesses

Now let's take a look at Allianz Care Australia OSHC in more detail:

• Eligibility. To be eligible for cover, you must be an international student on a student visa (or applying for one) or an eligible spouse, de facto, child or stepchild of an international student.
• General exclusions. Benefits are not payable for IVF and assisted reproductive services, treatment outside Australia, treatment arranged prior to arrival in Australia, transport into or out of Australia, treatment covered by other entitlements and elective cosmetic surgery.
• Waiting periods. Waiting periods must be served for pre-existing medical conditions (12 months), pregnancy-related conditions (12 months) and pre-existing psychiatric conditions (2 months) unless deemed an emergency, in which case waiting periods may be waived.
• Excesses. No excesses are payable under Allianz Care Australia OSHC.

Are there any out-of-pocket costs for treatment?

It differs based on whether you're treated in-hospital or out-of-hospital:

In-hospital

If you are treated in a public hospital, there will not usually be any out-of-pocket costs, since public hospitals charge the exact fee stated in the Medicare Benefits Schedule (MBS) and Allianz Care Australia covers 100% of your MBS fee.

However, you may face out-of-pocket costs in a private hospital. One major reason for this is the gap charge. Private hospitals and doctors are free to charge over and above the MBS fee (this additional amount is called the gap).

Luckily, Allianz Care Australia has agreements in place with a wide network of private practitioners throughout Australia, with whom they've negotiated lower rates for their members. You can find these providers on the website or through the app.

Out-of-hospital

Your Allianz Care Australia policy will cover 100% of the MBS fee if you need to go to a GP. Some doctors charge more than this, and you'll be responsible for the difference (called the gap). If you don't want this extra charge, you'll need to look for a "bulk billing" practitioner. These doctors charge only the MBS fee, so you owe nothing.

Your policy also covers 85% of the MBS fee for specialist visits. If you visit a specialist, you'll be responsible for the additional 15% plus any gap. Unless you get OSHC extras cover, you won't be covered for other out-of-hospital expenses such as dental, physio or optical.

Allianz OSHC frequently asked questions

• Does Allianz OSHC include ambulance?

  Yes, Allianz OSHC includes emergency ambulance services as standard. This covers the cost of emergency ambulance transportation Australia-wide.

• Who needs OSHC and how does it work?

  Most visitors applying for a Student Visa Subclass 500 will be required to take out private health insurance as a condition of their visa. This is known as condition 8501, and it states that the visa holder must maintain "adequate arrangements for health insurance while in Australia."

  You don't need to get OSHC if you're from a country covered by the RHCA (Belgium, Finland, Ireland, Italy, Malta, Netherlands, New Zealand, Norway, Slovenia, Sweden, or the UK). These countries have a healthcare agreement with Australia that let you access the Australian public health system (Medicare).

• What happens if I need treatment while I'm in Australia?

  If it's not life threatening, simply make an appointment with a GP. If you need emergency treatment you should call an ambulance or go to the emergency department of the nearest hospital. You should also call your OSHC insurer to make sure your policy will cover you for that admission.

• Are there any other Allianz OSHC member benefits?

  There are a number of other benefits of joining Allianz Care Australia, including:

  • 24/7 support. If you ever need assistance, they're available 24/7 via the Allianz Care Australia helpline.
  • Family cover. You can take out a singles, couples or family policy. All dependants are covered free under a family policy and all policies can cover pregnancy.
  • Access to agreement hospitals and doctors. Allianz Care Australia has agreements in place with a wide network of hospitals and doctors that have agreed to reduce the out-of-pocket expenses members have to pay for private care.

• How do I make a claim with Allianz?

  Allianz Care Australia has two different ways you can submit a claim.

  • Online via the MyHealth online members portal.
  • Through the MyHealth app on your phone.