Does Allianz Care OSHC cover ambulances?

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

Is Allianz Care better than Bupa?

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.*

Allianz Care OSHC Review

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Pros

Covers private and public hospital stays and emergency ambulance cover.
There are no waiting periods for psychiatric conditions.
Extras cover is available via the Allianz 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 hospital 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

Finder Score	Visa Compliant	Price
8.8 Great Allianz Care Australia Overseas Standard Student Health Cover	8.8 Great	$500 ($1,000 for families)	From $54 per month	Get quote View details Compare product selectionCompare	loading
8.1 Great Allianz Care Australia Overseas Essentials Student Health Cover	8.1 Great	$750 ($1500 for families)	From $77 per month	Get quote View details Compare product selectionCompare	loading
9.6 Excellent ahm Overseas Student Health Cover	9.6 Excellent		From $56 per month	View details Compare product selectionCompare	loading
8.9 Great Bupa Overseas Student Health Cover	8.9 Great		From $58.25 per month	View details Compare product selectionCompare	loading
8.8 Great Medibank Essentials Overseas Student Health Cover	8.8 Great	$500	From $59.95 per month	View details Compare product selectionCompare	loading
8.7 Great nib Overseas Student Health Cover	8.7 Great		From $60.48 per month	View details Compare product selectionCompare	loading
Not yet rated Medibank Comprehensive Overseas Student Health Cover	Not yet rated	$1,000		View details Compare product selectionCompare	loading

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.

Read the full methodology

What additional cover options are available?

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

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.

Sources

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Written by

Peta Taylor

Publisher of Insurance

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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. See full bio

Co-written by

Gary Ross Hunter

Journalist

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. See full bio

Gary Ross's expertise

Gary Ross has written 524 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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Allianz Care Australia Overseas Student Health Cover (OSHC) review

24/7 assistance and telehealth are some of the reasons worth choosing Allianz Care Australia OSHC.

Pros

Cons

How does Allianz Care OSHC compare with other OSHC providers?

Finder Score for overseas health insurance