Health & Insurance

Overseas Student Health Cover (OSHC)

It is a requirement of your student visa to have 'Overseas Student Health Cover' (OSHC) for the entire period of your student visa. Martin College will arrange OSHC for you for this duration.

The OSHC for the duration of your visa will be indicated and payable with the initial tuition fee. Allianz Global Assistance is the health insurance company that will provide you with your OSHC if you let Martin College organise OSHC on your behalf.

What OSHC includes:

  • Medical and Hospital Benefits
  • In the event of medical treatment being required by you and occurring during the period of cover, Allianz Global Assistance will pay benefits for the following:


 Benefit per service

Out of hospital medical services

Medical services provided by most General Practitioner Services

Benefit amount as listed in the Medicare Benefits Schedule (MBS) 100% of the MBS fee*

All other Medical services such as pathology and radiology (including specialists)

Benefit amount as listed in the Medicare Benefits Schedule (MBS) 85% of the MBS fee*

In hospital medical services

Medical services provided in hospital

100% of the Medicare Benefits Schedule fee

Public hospital - admitted patient in shared ward hospital accommodation, same day services, accident and emergency and outpatient medical and post-operative services

The rate determined by State and Territory health authorities for services charged to a patient who is not an Australian Resident

Private hospital/ Registered day hospital facility

100% of the charges for all insurable costs raised by a contracted hospital with a minimum of shared ward accommodation

Prescription medicines

For prescription medicines prescribed by your doctor Excludes: Medications, drugs or other treatments not  prescribed by a doctor or not listed on the PBS

Prescription medicines benefit for expenses exceeding the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution for general beneficiaries up to a:
- Maximum benefit of $50.00 per prescribed item
- Maximum amount per calendar year for Single cover of $300 per person
- Maximum amount per calendar year for Family cover of $600
Each individual in a family has a limit equivalent for a single person as long as the family maximum benefit has not been used

Surgically implanted prostheses

Surgically implanted prostheses and other items included on the Federal Government's Prostheses List

100% of the cost as listed on the Australian Prostheses list

Ambulance services

When medically necessary for admission to hospital or for emergency treatment

100% of the charge

What OSHC does NOT include:

  • Services provided by physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services
  • Medications, drugs or other treatments not prescribed by a doctor or not included in the PBS 
  • Any costs associated with dental treatment, unless the services provided meet the requirements of the Medicare Benefits Schedule 
  • Optical charges (items such as glasses and contact lenses) 
  • The co-payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee 
  • Medical or hospital services arising from any event listed as a General Exclusion.

Overseas Student Health Cover (OSHC) Refund Policy:

  • If you have not arrived in Australia, Martin College will refund your OSHC directly.
  • If you have arrived in Australia and are:
    − Discontinuing studies and returning home
    − Transferring to another provider
    − No longer on a student visa

Allianz Global Assistance will organise your refund. Refunds are calculated using a linear calculation. Refund forms are available on the Allianz Global Assistance OSHC website.