Overseas Student Health Cover (OSHC)
As an overseas student, you and your accompanying family must have Overseas Student Health Cover (OSHC) for the entire duration of your student visa in Australia. OSHC will help you to pay for any medical and hospital care you may need while studying in Australia.
The Australian Department of Immigration and Border Protection (DIBP) requires all student visa holders to have purchased Overseas Student Health Cover for the duration of their student visa when they apply for their visa. OSHC provides cover for the costs of:
Out of hospital medical treatment
In-hospital medical treatment
Surgically implanted prostheses Emergency ambulance transport
The department of Health and Ageing (DHA) regulates OSHC and OSHC providers. CSU will assist you in obtaining your OSHC membership to cover your entire period of study. You will see a fee for OSHC on your letter of offer.
Allianz Global Assistance is selected as the preferred, provider of OSHC to Charles Sturt University.
A number of providers offer OSHC, however, we recommend you take membership with Allianz Global Assistance, which is the University's provider of choice. Upon arrival at CSU, information on other providers of OSHC will be available from your International Student Liaison Officer in the Office for Students.
Allianz Global Assistance Rates
Benefit covered under your Allianz Global Assistance Policy?
Please read your Policy and Members Guide [PDF] for a full description of:
Eligibility and periods of cover
Services not covered
Waiting periods for pre-existing conditions
Allianz Global Assistance developed Australia's first direct billing network for the OSHC market to provide you with an 'instant' claiming option involving minimal out-of-pocket- expenses. Allianz Global Assistance has direct billing agreements with a growing network of more than 400 medical providers nationally. At these centres, you are able to present your membership card and valid photo ID to have your claim submitted directly to Allianz Global Assistance for payment.
In many cases, you will be bulk billed and charged the same as the Medicare Benefit Schedule (MBS) fee. This means you have no out-of-pocket medical expenses and no claim form to fill in.
Where a medical provider charges more than the MBS rate, you will receive an invoice for this non-claimable amount only. This is referred to as the co-payment or gap fee, which is not covered under OSHC.
A full list of our direct billing providers is available for you to easily access from the OSHC website.