Medibank OSHC

Australia's largest health insurer

Medibank is Australia's largest private health insurer and one of the six Department of Health-approved OSHC providers. With over 40 years of experience, Medibank OSHC offers comprehensive coverage for international students including hospital, medical, and pharmaceutical benefits. Medibank has an extensive network of direct-billing providers and a 24/7 Student Health and Support Line.

8.6
Overall Rating / 10
Coverage8.5
Value8.3
Support8.8
Network9

Premium Ranges (2026)

Single — 12 Months
$642 – $1,163 AUD (varies by cover level and duration)
Couple — 12 Months
$1,282 – $2,322 AUD
Family — 12 Months
$1,605 – $2,903 AUD

Prices are indicative ranges for 2026. Actual premium depends on cover level, visa duration, and promotional offers. Check provider website for current pricing.

Coverage Details

Hospital

100% of MBS fee for shared ward accommodation in public hospitals; private hospital coverage at contracted rates

Medical

  • GP consultations (100% MBS)
  • Specialist consultations (85-100% MBS)
  • Pathology and radiology (85-100% MBS)

Pharmaceutical

Up to $50 per prescription item, annual max $300 (single) / $600 (family)

Mental Health

Included under hospital and medical cover; 24/7 Student Health Line for counseling support

Waiting Periods

General
No waiting period for most services
Pre-existing
12 months for pre-existing conditions (mirrors government-mandated minimum)
Pregnancy
12 months for pregnancy and birth-related services
Psychiatric
2 months

Key Features

24/7 Student Health and Support Line
Medibank Health & Wellbeing app
Members' Choice network with gap-free GP visits
Online claims through myMedibank app
International student-specific support
Extensive hospital network nationwide

Considering Medibank?

Visit their website for the latest premiums and to purchase OSHC directly.

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