Help Centre

Info for Under-18s

Living in Australia can be an incredible adventure for young people, whether studying in Australia alone or living here with the whole family.

There’s so much for our youth to explore down under:

  • Getting involved in the country’s favourite sports like cricket and Aussie Rules Football (AFL)
  • Trying strange new foods like Vegemite
  • Learning about Australian culture and history
  • Making new friends at school
  • Discovering Australia’s beautiful natural environment and amazing native animals

But what happens if you get sick or have an accident? How do you find a doctor or hospital and will you be covered for the cost of treatment? We answer these important questions and more below.

What does OSHC cover?

Overseas Student Health Cover (OSHC) helps you cover the cost of medical treatment while studying in Australia. OSHC benefits are similar to the cover Australians receive through Medicare (Australia’s public health care system):

Hospital costs

Public hospital

We will cover the cost of your stay and treatment in a shared ward of a public hospital subject to the coverage outlined in the policy wording.

When you leave hospital, you may need to continue to visit a medical professional in a clinic, a specialist doctor's consulting room or a local general practitioner.

Private hospital

If you choose to be treated in a private hospital, we’ll contribute benefits towards treatment and shared ward accommodation, but you may need to pay more than you would in a public hospital.

If you call us before you go into hospital, we’ll be able to provide you with an estimate of what we will cover. 

Doctor’s appointments

We’ll help cover your medical costs when you see a doctor or specialist. Sometimes the doctor will charge more than the claimable amount. The additional fee is known as a ‘gap fee’ and is the same fee paid by all Australia citizens.

Emergency ambulance

If you have a life-threatening medical emergency, go to your closest public hospital emergency department or call 000 immediately for help.

You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment.

Prescription medicine

If you’re prescribed medicine from your doctor, you may be able to claim money for items included in the Pharmaceutical Benefits Scheme (PBS).

Learn more about what OSHC covers

What isn’t covered by OSHC?

Your OSHC policy won’t pay for:

  • Pre-existing medical conditions within the relevant waiting period
  • Dental treatment (may be covered under an Extras policy)
  • Optical (may be covered under an Extras policy)
  • Physiotherapy, osteopathy, chiropractic, naturopathy and any other ancillary services (may be covered under an Extras policy)
  • Prescription medication not included in the Pharmaceutical Benefits Scheme (PBS)
  • Medications, drugs or other treatments not prescribed by a doctor
  • Cosmetic surgery procedures

For more information about what’s not covered, read the relevant policy document below.

Standard Cover Policy Document

OSHC Extras

OSHC Extras is an optional added policy that can help you pay for some of the more common health services not covered by a OSHC policy. With OSHC Extras, you’ll be covered for dental, optical, chiropractic and physiotherapy, just to name a few. OSHC Extras is offered by Peoplecare Health Limited.

Learn more about OSHC Extras

How to find a doctor

Visit the Find a Doctor section of our website and enter your suburb or postcode to locate a doctor near you. Here you will find a list of over 500 doctors nationally who will bill us directly so you don’t need to lodge a claim. 

If you can’t get to a doctor, you can call or video chat with a doctor any time using our telehealth service which is provided by Doctors on Demand.

Learn more about Doctors on Demand

How to give a  guardian access to your policy

If you would like to authorise a parent or guardian to access your policy and act on your behalf, please provide the following information to our member services team:

  1. A copy of the member’s passport
  2. A copy of your parent or guardian’s passport
  3. Either a copy of the member’s birth certificate or legal guardianship document

Please email this to OSHC@allianz-assistance.com.au along with your membership number.

How to claim for an accident

If you have an accident at school or outside of school (for example playing sport, in the park, riding a bicycle or skateboard, etc) medical treatment for any injury you receive can be claimed through OSHC.

Making a claim is easy with our ‘My OSHC Assistant’ app.  You can use the app to lodge claims and take photos of any receipts.

You may also be asked to complete the ‘OSHC Accident Information Form’ which you can download here.

If you have to be treated in hospital

If you’ve been referred to hospital for treatment, contact us on 13 67 42 before you’re admitted so we can help you prepare and assist with arranging a guarantee of payment for the hospital.

Public hospital

If you have a valid OSHC policy, we’ll cover the cost of your stay and treatment in a shared ward of a public hospital subject to the coverage outlined in the policy wording.

As a public patient, your doctors will be nominated by the hospital. When you leave hospital, your care may need to continue in a clinic or a specialist's private rooms or you may be referred to your local general practitioner.

Private hospital

If you choose to be treated in a private hospital, we’ll contribute benefits towards treatment and shared ward accommodation, however, you may need to pay more than you would in a public hospital.

If you call us before you go into hospital, we’ll be able to provide you with an estimate of what it might cost you.

Other useful info for under-18 students

Still need help?

Our team is here to answer your questions