Covers private and public hospital stays and emergency ambulance cover.
There are no waiting periods for psychiatric conditions.
Extras cover is available via Allianz’s Care OSHC Extras policy.
Allianz received a 2026 Finder Award for Best Overseas Student Health Cover.
Cons
It won’t cover more than the MBS fee for GP visits.
How does Allianz Care OSHC compare with other OSHC providers?
Allianz Care OSHC is comparable to the other 5 OSHC providers in Australia. It covers you for private and public hospitals admissions, ambulance transportation, GP visits, medical tests and prescription medicine.
Primary OSHC policyholders have exclusive access to Sonder, 24/7 medical, mental and safety support mobile app, at no added cost*
Emergency ambulance
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How we picked these
Finder Score for overseas health insurance
To make comparing overseas health insurance even easier, we developed the Finder Score. Factors like price, hospital cover, extras cover, emergency travel, and more are weighted and scaled across 50+ policies from 15+ providers to produce a score out of 10. The higher the score, the more competitive the policy.
Allianz Care has an Overseas Student Health Cover Extras policy that provides cover for dental, optical and physiotherapy. This is a separate product to the Allianz Care Australia OSHC product and is entirely optional for students travelling to Australia.
How to make a claim
Claims can be made online via the Allianz MyHealth members portal or via the Allianz MyHealth app, up to the benefit amount listed.
FAQs
Yes, if you hold an Allianz Care OSHC policy then you’ll have emergency ambulance cover. See their policy wording document for more information at allianzcare.com.au
Our research shows that Allianz Care and Bupa have very similar OSHC policies in terms of features and benefit limits. We’d suggest getting a quote from each to see which provider is more competitive.
Allianz care Australia offers exclusive access to Sonder, 24/7 medical, mental health and safety support mobile app, to all primary OSHC policyholders with no added cost.*
* Access to Sonder is available at no extra cost to primary Allianz Care Australia OSHC policyholders. Visit sonderau.com/allianzcare for eligibility and T&Cs. Allianz Care Australia has an exclusive partnership with Sonder for provision of OSHC products, making it the only OSHC provider in the market to offer this service.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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Australia has Reciprocal Health Care Agreements in place with 11 countries, allowing visitors from those countries to access subsidised medical treatment under the Medicare system while in Australia.
While health insurance isn’t mandatory for Electronic Travel Authority (601 visa) holders you should get adequate health cover before arriving in Australia.
Find an adequate level of private health insurance to cover any medical costs incurred during your trip to Australia on a subclass 600 visa.
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