Overview of OSHC Providers
This guide compares OSHC (Overseas Student Health Cover) products from Allianz, Medibank, Bupa, ahm, nib, and CBHS. It looks at price, coverage, and extra benefits to help you choose suitable insurance for study in Australia.
Prices, coverage terms, and extras vary by provider and plan. Always check the latest official quote and policy documents for accurate details before purchasing.
Coverage Differences
Each provider offers OSHC with core benefits required by Australian student visa conditions, but there are differences in what is covered and how.
- Allianz and Medibank typically offer comprehensive hospital and medical coverage.
- Bupa includes pharmacy and ambulance services in many plans.
- ahm and nib provide various tiered options, ranging from basic to higher-level covers.
- CBHS has recently stopped selling new OSHC policies, so only existing members are affected.
Check each provider’s policy documents for specifics on waiting periods, exclusions, and any additional benefits like dental, optical, or physiotherapy.
Price and Extras
Prices are not fixed and depend on the plan level and the student’s situation. Extras such as ambulance cover, pharmacy benefits, or access to telehealth may be included in some plans but not others.
For the most current pricing and to see what extras are included, use official quote tools provided by the insurers.
Choosing a Plan
When comparing, consider:
- Your medical needs and any pre-existing conditions.
- Whether you need extra services beyond the basics.
- The provider’s network of hospitals and doctors.
- How claims are processed and support services available.
Remember to read the Product Disclosure Statement and policy terms carefully.
Conclusion
Both Allianz, Medibank, Bupa, ahm, nib, and CBHS offer OSHC, but the right choice depends on your personal situation and preferences. Always verify current offerings and conditions directly with the provider.
For more detailed comparisons, you can read our in-depth reviews of each policy.