Australia's OSHC Comparison Platform

Find the right OSHC
in under 2 minutes

Compare all 6 Australian government-approved OSHC providers side by side. Premiums, coverage, waiting periods, and extras — transparent, independent, free.

Compare Providers
6
Approved Providers
2026
Latest Premium Data
4
Cover Scenarios
Free
Independent & Ad-Free
How It Works

Three steps to the right OSHC

No sign-up. No spam. Just a clean comparison to help you decide.

1

Tell us about you

Single, couple, or family? How long is your course? We'll match the right comparisons.

2

Compare side by side

See premiums, coverage details, waiting periods, and hidden gaps — all in one table.

3

Choose with confidence

Pick your provider. Our OSHC assistant can help if you're still unsure.

All 6 Providers

Australia's approved OSHC providers

All six providers are approved by the Australian Department of Health. They differ in price, network, and extras.

Medibank OSHC

8.6

Australia's largest health insurer

$642 – $1,163 AUD
24/7 Student Health and Support LineMedibank Health & Wellbeing app

Bupa OSHC

8.4

Trusted worldwide health insurance for international students

$618 – $1,087 AUD
Bupa Blua Health app with 24/7 virtual GP consultations'Find a Provider' direct billing locator

ahm OSHC

8

Simple, affordable health cover for international students

$585 – $995 AUD
Budget-friendly premiums — often the lowest cost optionSimple, no-frills cover structure

Allianz Care OSHC

8.5

Global health expertise for international students

$620 – $1,150 AUD
24/7 multilingual health support lineMyHealth app with digital claims and health records

nib OSHC

8.2

Friendly, straightforward health cover for students

$605 – $1,090 AUD
Digital-first experience with easy online managementnib App for claims, digital card, and provider search

CBHS OSHC

8.1

Not-for-profit health cover with member-first values

$590 – $1,050 AUD
Not-for-profit member-owned fundPersonalised customer support
Compare All Providers Side by Side
Quick Comparison

OSHC premiums at a glance

Single student, 12-month cover. Actual price depends on your visa duration and cover level.

Provider Single 12m Couple 12m Family 12m Rating
Medibank OSHC $642 $1,282 $1,605 8.6
Bupa OSHC $618 $1,234 $1,543 8.4
ahm OSHC $585 $1,168 $1,460 8
Allianz Care OSHC $620 $1,240 $1,550 8.5
nib OSHC $605 $1,210 $1,512 8.2
CBHS OSHC $590 $1,180 $1,475 8.1

Prices are indicative ranges for 2026. Check each provider's website for current premiums and offers. CompareOSHC is an independent comparison platform — not affiliated with any OSHC provider.

See Full Comparison
Common Questions

Everything you need to know about OSHC

Is OSHC mandatory for international students?
Yes. The Australian Government requires all international students on a student visa (subclass 500) to maintain OSHC for the entire duration of their stay. You must show proof of OSHC when applying for your visa.
Can I switch OSHC providers after arriving in Australia?
Yes. You can switch providers at any time. Check your current policy for any cancellation terms or refund eligibility, and ensure there is no gap in your cover when switching.
What's the difference between OSHC single, couple, and family cover?
Single covers one student. Couple covers the student plus a partner (spouse/de facto). Family covers the student, partner, and dependent children under 18. Each tier has different premium rates.
Does OSHC cover pre-existing conditions?
There is a mandatory 12-month waiting period for pre-existing conditions (conditions you had before arriving in Australia). This applies to all OSHC providers per government regulation.
What does OSHC NOT cover?
OSHC generally does not cover: dental (unless you have extras), optical, physiotherapy, elective/cosmetic surgery, IVF and assisted reproductive services, and treatments not medically necessary. Check your policy PDS for full exclusions.
How do I make a claim with OSHC?
Most providers offer digital claims through their app or website. At direct-billing clinics, the provider bills your insurer directly — you just pay any gap. For other services, you pay upfront and submit a receipt for reimbursement.

Still not sure which OSHC to pick?

Our OSHC Assistant can help you compare based on your specific needs — course length, family situation, budget, and extras.