As an international student on a student visa, you must be covered by Overseas Student Health Cover (OSHC) during your studies unless an exception applies. The cost of health cover is detailed in your Letter of Offer. Overseas Student Health Cover (OSHC) is a compulsory requirement for all Subclass 500 student visa holders. It ensures that international students have access to essential medical care without facing significant financial hardship. If you do not maintain valid OSHC throughout your studies, you may be in breach of your visa conditions.

Chisholm’s preferred OSHC provider is Allianz Care Australia. If you purchase OSHC through your offer letter, you will receive an Allianz Care Australia Essential OSHC policy. Alternatively, you may choose to use another Australian accredited supplier.

It is your responsibility to ensure that your OSHC is always paid for the duration of your student visa. You will find the start date, end date, cost and policy type on your Letter of Offer.

Access to Allianz Care

Login to your desktop portal via the Allianz Portal or download the Allianz MyHealth App for OSHC .

Managing your health cover

To manage your health cover please visit Allianz Care.

How to claim

To make a claim please visit How To Claim on Your OSHC Policy .

Allianz Care also provides other services and benefits:

Note: This is a summary of information and benefits. For the full exclusions, limitations, waiting periods, terms and conditions please read the policy document which is available at Allianz Care Australia policy wording documents.

OSHC Coverage at a Glance

Allianz Care Australia offers two OSHC policy options: OSHC Standard and OSHC Essentials. Both provide comprehensive coverage; Essentials includes additional benefits such as medical repatriation and psychology consultations.

Service OSHC Standard OSHC Essentials
Doctor (GP) visits outside of hospital 100% of the MBS fee 100% of the MBS fee
Medical specialists outside of hospital 85% of the MBS fee 85% of the MBS fee
Hospital treatment and accommodation 100% of insurable costs 100% of insurable costs
Emergency ambulance transport 100% of the costs 100% of the costs
Prescription medicines and approved vaccinations
Allianz Care Australia approved vaccinations 		Up to $50 per item; annual limits apply ($500 single / $1,000 dual-family) Up to $50 per item; annual limits apply ($750 single / $1,500 dual-family)
X-rays and blood tests 85% of the MBS fee 85% of the MBS fee
Medical devices and human tissue products 100% of the minimum benefit (Prescribed List) 100% of the minimum benefit (Prescribed List)
Medical repatriation Not included Up to $100,000 per policy
Out-of-hospital psychology consultations
Allianz Care Australia approved psychology consultations 		Not included Up to $50 extra per consultation (on top of MBS benefit); annual limits apply

Note: This is a summary of information and benefits. For the full exclusions, limitations, waiting periods, terms and conditions please read the policy document which is available at policy wording documents.

Mental Health Support

Your mental health matters. If you are experiencing stress, anxiety, or other mental health challenges, there are several pathways available to you:

  1. See a GP first: A GP can create a Mental Health Plan, giving you access to Medicare Benefits Schedule (MBS) benefits for specialist treatment under your OSHC policy.
  2. Use the Find a Doctor tool: Once you have a Mental Health Plan, use the Allianz Care Australia Find a doctor to locate a direct-billing mental health practitioner near you.
  3. Use Sonder: Primary OSHC policyholders can access 24/7 mental health support through Sonder active care program at no additional cost.

If you or someone you know needs immediate help, free 24-hour crisis services are available:

Lifeline: 13 11 14

Beyond Blue: 1300 22 4636

What to do when you get sick

Accessing medical help in Australia may be different to other countries. Here is a guide to assist you with finding the right help for your situation.

Medical emergency

Please dial triple zero (000) or go to the closest public hospital emergency department immediately. If you’re unsure, access the Australia Government symptom checker Healthdirect Symptom Checker.

Non-life-threatening condition

Visit your local doctor (known as a general practitioner or GP). You can use our Find a doctor tool to locate your nearest GP. Simply enter your visa type and post code. Please note, out of pocket expenses may apply. You must pay any difference between the benefit Allianz Care pay and the actual fee charged by the doctor, known as an out -of-pocket expense or gap fee.

Use Doctors on Demand to access 24/7 telehealth services and speak with a qualified Australian doctor by phone or video. Consultations are fully gap-free. For more details, please refer to the Allianz Care Australia Doctors on Demand Terms.

Primary Allianz Care OSHC policyholders can register for Sonder and access 24/7 medical support including receiving assistance with booking an appointment with a doctor.

Important limitations and eligibility

Note:

  • Telehealth appointments are not available to Hospital Care Workers and Hospital Care Visitors policyholders, as these policies do not cover outpatient medical services (including general practitioner appointments).
  • Direct billing is not available for Hospital Care Workers, Everyday Care Workers, and Hospital Care Visitor policies.
  • Sonder is available to all primary Allianz Care OSHC policyholders.
  • For dual and multifamily policies, only one Sonder account can be activated. This account will be assigned to the primary policyholder.
  • Other listed members (such as spouses or dependent children) are not provided with separate Sonder accounts.

Visit Allianz Care Sonder eligibility terms and conditions .

The Student Hub

To access everything about your policy including the Australian health care system and policy benefits, please visit Student Hub Allianz Care Australia.

Health and wellbeing blog

For tips and advice on staying health in Australia, international students have access to range of topics on Allianz Care Australia Health and Wellbeing blog.