Health insurance is compulsory for most international students who are studying in Australia.
It is a condition of your student visa that you maintain Overseas Student Health Cover (OSHC) for the duration of your studies. This cover needs to be arranged about the same time you accept your offer to study.
There are a few students who may be exempt – see Exemptions below.
Your health cover provides access to the University Health Service and public hospitals in Australia (waiting periods apply for some health treatments). Higher-level cover, which can give you access to private hospitals, for example, is your responsibility.
The University of Sydney can arrange OSHC on your behalf or you can purchase OSHC from one of the following Australian Government-approved providers:
Further information on OSHC can be found on the Australian Government website.
We can arrange OSHC for the duration of your Australian visa under the University of Sydney's Essentials coverage. This cover provides additional benefits over the standard Allianz cover, including reduced waiting times and access to Sonder, a personalised safety and welfare support service available 24/7 across Australia.
If you finish your studies early and your visa is no longer valid, you can obtain a refund for any unused portion of your OSHC.
Please note that you will be personally responsible for all future renewal payments to Allianz OSHC.
Please note, a surcharge of 1.53% will apply for payments made by Visa or MasterCard. The surcharge is subject to review and may change. See the FAQs for information about alternative payment methods.
If you insure through the University then you consent to us disclosing your relevant personal details (for example, your family name, given name, sex, date of birth, start date and campus code) to Allianz OSHC so your cover can be registered.
Under the preferred provider agreement with Allianz, the University receives a commission based on a percentage of the premium paid for a policy, and other benefits from Allianz, for facilitating OSHC for international students. The commission and other benefits will be used to support initiatives that improve the international student experience at the University.
If you already have valid OSHC or if you wish to buy it independently from an Australian Government approved provider, please complete the appropriate section on your Acceptance of Offer and do not include the OSHC amount in your first fee payment to the University of Sydney.
If you choose to purchase OSHC independently you need to provide evidence of your OSHC membership when you submit your Australian student visa application.
The cost of your cover will depend on your circumstances and the duration of your stay. To see the current fees under the University's preferred provider agreement with Allianz, download our PDF.
Membership of a health insurance scheme in your home country does not exempt you from paying OSHC unless there are special inter-governmental arrangements that cover you whilst you study in Australia. For information on such arrangements, please visit the Department of Home Affairs website.
It is your responsibility to ensure that you have appropriate health cover arrangements in place for the duration of your studies. If you require OSHC, check the two options above to arrange OSHC either through the University or independently.
Students holding Australian Government scholarships (such as Australia Awards) have their health insurance cover paid directly to Allianz Global Assistance.
Study Abroad or exchange students arriving in Sydney on non-student visas (such as the 417 Working Holiday Visa), are not eligible for Overseas Student Health Cover.
However, we still strongly recommend you purchase comprehensive insurance before you depart for Australia. Our preferred insurance provider, Allianz Global Assistance, offers overseas visitors health cover for students not eligible for OSHC.
You can find everything you need to know about managing your health cover on our OSHC for current students page. This includes how to access a certificate of your cover, what to do if you arrive early or need to change the dates of your cover and how to speak with an Allianz representative on campus.
We arrange OSHC for the duration of your Australian visa. If you finish your studies early and your visa is no longer valid, you can obtain a refund for any unused portion of your OSHC.