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Overseas Student Health Cover

It is a condition of your student visa that you, and any dependent family members, maintain Overseas Student Health Cover (OSHC) for the duration of your studies. Your health cover provides access to health services and public hospitals in Australia. CQUniversity’s preferred OSHC provider is Allianz Care Australia.

For the University to arrange your OSHC policy with our preferred provider (Allianz Care Australia), you will need to pay the amount listed on your Offer of Admission. We will list your OSHC policy information on your Confirmation of Enrolment (COE) which you will use when you apply for your student visa.

Your safety is our top priority. For any OSHC policies scheduled through CQUniversity (from 01 February 2020) students will have the added benefit of membership to Allianz Care Australia Safety Services - powdered by Sonder at no additional cost, to provide our students with 24/7 on-demand support. Once you have commenced at the University, you will be able to access this support via the Sonder app where a team of trained professional staff are ready to respond to your safety and wellbeing needs, anywhere in Australia.

If you wish to arrange your own OSHC, you must select an approved insurer and provide evidence of purchase and duration of cover before we will issue you with a COE. You will also need to provide this documentation when submitting your student visa application. The Private Health Insurance Ombudsman website provides a list of approved insurers.

OSHC Exemptions

Please note the following students are considered to have adequate health insurance and do not need to purchase OSHC:

  • Norwegian students covered by the National Insurance Scheme
  • Swedish students who have insurance provided by CSN International or Kammarkkllegiet and
  • Belgian students

For the University to arrange your OSHC policy with our preferred provider (Allianz Care Australia), you will need to pay the amount listed on your Offer of Admission. We will list your OSHC policy information on your Confirmation of Enrolment (COE) which you will use when you apply for your student visa.

If you wish to arrange your own OSHC, you must select an approved insurer and provide evidence of purchase and duration of cover before we will issue you with a COE. You will also need to provide this documentation when submitting your student visa application. The Private Health Insurance Ombudsman website provides a list of approved insurers.

Register your policy on the Allianz Care Australia  website or on the app and create your online account.

Students can access their e-membership card via the Allianz MyHealth app. The e-membership card is accepted by our network of direct billing doctors. Download the Allianz MyHealth app to get instant access to your e-membership card.

You will need your email address and policy number when you log into the app or student portal for the first time. You can also use the Allianz MyHealth app to lodge claims and find your closest doctor using your GPS.

If you are insured by Allianz Global Assistance, follow their Registration Instructions to create your account. We recommend you download their app, Allianz MyHealth, to help you manage your health cover.

All OSHC insurers must provide a minimum level of cover which is equivalent to the cover provided by Medicare to Australian citizens. Some providers may offer extra services. Allianz Care Australia  provides the following cover:

  • Private and public hospital admissions
  • Ambulance
  • Doctors and specialists (outside of hospital)
  • Medical tests (z-rays and blood tests)
  • Prescription medicine

There are some costs that are not covered by OSHC insurers. These may include treatment for pre-existing conditions or pregnancy-related treatment. Please check your policy to learn more about what your OSHC insurer does/does not cover.

This is a summary of information and benefits. For the full exclusions, limitations, waiting periods, terms and conditions please read the Policy Document.

If you are experiencing a medical emergency, you should visit a hospital or dial 000. You should not visit a hospital for general medical questions or concerns. If you need to visit a doctor, you will need to call to make an appointment. To find a doctor or clinic, check the Yellow Pages directory under Doctors or Medical Practitioners.

Allianz Care Australia has direct billing doctors who will not charge you for their service or will charge you only the GAP fee. Allianz members can also access Allianz Care Australia's Telehealth Services - powered by Doctors on Demand, a 24/7 phone or video doctor consultation service.

If you are covered by another OSHC provider, check their website to see whether they have similar arrangements with local doctors. Medical Centres not aligned with your OSHC provider will charge you the doctor's fee and the government fee component. In these situations, you will need to pay the total amount, keep the receipt and claim the government fee back from your OSHC provider.