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 Global Assistance.
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 Global Assistance), 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.
You should order your OSHC card as soon as you arrive in Australia. You will need to nominate an Australia postal address for your card to be delivered to and you can print a temporary certificate while you are waiting for your card to arrive. Some providers will require you to input your visa/passport details before you can order your card.
If you are insured by Allianz Global Assistance, follow their Registration Instructions to create your account. We recommend you download their app, My OSHC Assistant, 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 citizenships. Some providers may offer extra services. Allianz Global Assistance provides the following cover:
- 24 hour emergency assistance and medical advice
- Partial coverage of medical services provided by a General Practitioner (GP)
- Partial coverage of diagnostic services (pathology and radiology)
- Shared ward accommodation in public hospitals
- Some prescription medicines
- Emergency ambulance cover
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.
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 Global Assistance 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 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.