“Learning abroad, all bases covered.” (Allianz Global Assistance)
Compare Allianz Global Assistance OSHC
See below for a comparison of Allianz Global Assistance’s OSHC products for cover of an overseas student studying on a 3-year study visa. Results are sorted by Canstar Star Rating (highest to lowest).
To compare other OSHC policies, please click here.
Allianz OSHC frequently asked questions (FAQs)
Overseas student health cover isn’t the same as health insurance for Australian residents, so even if you’ve read our comprehensive guide to OSHC, there may be a few things that need clarification. So here are some things you need to know about overseas student health cover.
How do I apply for Allianz Global Assistance OSHC?
You can apply for an Allianz Global Assistance OSHC policy on their website. Before you apply for Allianz OSHC, you need to compare policies to make sure Allianz Global Assistance has the best policy for you. Compare OSHC policies on the Canstar website:
What isn’t covered by Allianz Global Assistance OSHC?
Allianz Global Assistance advises that their OSHC policies do not cover:
- Treatment and services provided by physiotherapists, osteopaths, chiropractors, naturopaths, or any other extra services
- Medications, drugs, or other treatments not prescribed by a doctor or not included in the Pharmaceutical Benefits Schedule
- Dental treatment, unless the services provided meet the requirements of the Medicare Benefits Schedule
- Optical charges, such as glasses or contact lenses
- Co-payment and/or gap payment payable by you under Australian law or when the provider charges fees that are more than the Medicare Benefits Schedule Fee
- Fees charged by a doctor or hospital for services that are not covered by the policy
There are also some more things in general that OSHC policies do not cover.
Does Allianz Global Assistance put any waiting periods on their OSHC policies?
Allianz Global Assistance OSHC policies impose a waiting period of 12 months for claims arising from a pre-existing condition. The exception is a pre-existing condition of a psychiatric nature, which has a waiting period of 2 months.
Allianz Global Assistance defines a pre-existing condition as “an ailment, illness, or condition, the signs or symptoms of which (in the opinion of a medical practitioner approved or appointed by us) existed in the period of six months ending on the later of:
- The date you or your dependent (as the case may be) arrived in Australia; or
- The date your student visa was granted.”
This means if you had a health problem any time in the 6 months before arriving in Australia, you might have to wait 12 months or 2 months before you can make an OSHC claim related to that medical condition.
What should I do if I need medical treatment?
If you need emergency medical treatment in Australia, you should call 000 and ask for the ambulance. Not every medical situation is an emergency, and sometimes you can go to a doctor (a General Practitioner or GP) or a medical centre instead.
Allianz Global Assistance advises that you should notify them immediately on 1800 651 349 if you are admitted for hospital treatment.
In the case of a GP or medical centre visit, Allianz Global Assistance recommends that you attend a doctor or medical centre that direct bills Allianz Global Assistance OSHC. You can log into the Students section of their OSHC website to find your nearest direct-billing GP or medical centre.
How do you lodge a claim with Allianz Global Assistance OSHC?
You can submit a claim either online on Allianz Global Assistance’s OSHC website, by post, or with the Client Service Representative who is on campus at your educational institute. Visit the website for more information on how to make a claim.
Where can I get assistance with my Allianz Global Assistance OSHC policy?
You can receive assistance from an Allianz Global Assistance OSHC Client Service Representative on campus at your educational institute during the week. You can check Allianz Global Assistance’s OSHC website for information on Client Service Representative times and locations.
Alternatively, you can call Allianz Global Assistance on 13 67 42 to receive advice and assistance over the phone.
Can I renew my Allianz Global Assistance OSHC if my visa is extended?
Yes, Allianz Global Assistance allows you to renew your OSHC policy if it expires before the end of your student visa. Here’s our guide to how to extend or renew your overseas student health cover if your visa is extended.
How do I renew my Allianz Global Assistance OSHC policy?
You can renew your Allianz Global Assistance OSHC policy either online, on campus (some institutes are able to collect OSHC premiums on behalf of Allianz Global Assistance), or by post.
Before you renew your Allianz Global Assistance OSHC policy, you should compare OSHC policies to check whether your current policy is providing you with the best value. You can compare OSHC policies with Canstar:
About Allianz Global Assistance
Allianz Global Assistance is part of Allianz Worldwide Partners, a group formed in June 2017 to provide different types of insurance:
- Allianz Global Assistance: travel insurance, roadside assistance, home assistance, international health insurance, OSHC, and OVHC
- Allianz Global Automotive: car insurance
- Allianz Worldwide Care: international health insurance, life insurance, and disability insurance
Allianz Global Assistance has been providing health cover to international students in Australia for over 10 years, and has insured millions of students in that time.
They work with a network of over 450 healthcare providers, and have Client Service Representatives at 100 campuses around Australia, including major universities in every capital city.
Source: Allianz Global Assistance Australia