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The Best OSHC Plan for Australia

Get Easy, Affordable Coverage Tailored for Students!

AHM
Allianz
Bupa
Medibank
NIB
Why Compare OSHC Plans With Us?

Choosing the right OSHC provider is crucial for your stay in Australia. Our platform helps you compare plans from top insurers like AHM, Allianz, Bupa, Medibank, and NIB — ensuring you find the best coverage for your budget and needs.

  • 100% visa-compliant policies accepted by the Australian Government
  • Transparent comparison with no hidden fees
  • Instant certificate download for visa applications
  • Trusted support from experienced advisors
How to Choose Your OSHC Cover Dates
Start Date Guidelines
  • New Arrivals: Select the date you plan to arrive in Australia.
    Not sure yet? That’s okay—choose a date up to 28 days before your course begins.
  • Switching Providers? If you're changing from another OSHC provider, choose a start date one day after your current policy ends.
    Remember: Your OSHC coverage must be continuous to maintain your visa conditions.
End Date Guidelines

To match your student visa, your OSHC cover should extend beyond your course end date. Use the guide below to select the correct end date:

Course Duration Add to Course End Date
10 months or less 1 Month
More than 10 months, ending January–October 2 Months
More than 10 months, ending November–December Select 15th March of the following year
Choose the members you wish to insure, specify insurance
duration, and Get a Quote.
SINGLE

Cover for you only

COUPLE

Cover for you and your partner as listed on your student dependant visa

FAMILY

Cover for you, your partner and your children under 18 years of age if they live with you in Australia

SINGLE PARENT

Cover for you and your children under 18 years of age if they live with you in Australia

Compare & Choose
Best Health Insurance Plan
Your Hassle-Free OVHC Coverage in Australia!
Request an Extend Policy
To request a policy extension,
please click the button below and include the following details in your message:
Request Extension Now
First Name
Date of Birth
Last Name
Existing Policy Start Date
Policy Number
Existing Policy End Date
Specify any one from below
Change Start Date
Keep the original end date, move the start date.
Change End Date
Keep the original start date, extend the end date.
Change Both Date
Change both Start Date & End Date

OSHC: Student Health Insurance FAQs

Your OSHC must cover your entire student visa duration, starting from your arrival date or visa grant date (whichever is later).

Yes, you can add:

  • Spouses/de facto partners
  • Children under 18
  • Additional premiums apply for family coverage

Most providers impose a 12-month waiting period for pre-existing conditions. Check your policy for specific inclusions.

  1. Contact your provider before expiry
  2. Pay renewal fees
  3. Update visa details if extended
  • Visa cancellation risk
  • Full payment for medical treatments
  • Possible study permit revocation

Basic OSHC excludes dental care. You can add optional extras coverage for an additional cost.

Submit original receipts via your insurer’s online portal or app. PBS medications are partially covered.

No, OSHC only covers medical services within Australia. Purchase travel insurance for overseas trips.

Most OSHC policies have a 12-month waiting period for pregnancy-related services.

  • Check approved providers on the Australian Government website
  • Compare hospital networks
  • Review claim processing times

OVHC: Visitor Insurance FAQs

  • Temporary Work Visa (subclass 482)
  • Graduate Visa (subclass 485)
  • Visitor Visa (subclass 600 with condition 8501)

Yes, most providers offer monthly payment plans. Annual payments may qualify for discounts.

Yes, emergency ambulance services are included in all OVHC policies.

Your insurer will provide a compliance certificate (eVisa letter) within 24 hours of purchase.

  • Cosmetic procedures
  • Pre-existing conditions (first 6-12 months)
  • High-risk sports injuries

Yes, contact your provider to upgrade. Waiting periods may apply to new benefits.

Most applications are approved instantly. You’ll receive policy documents via email.

Chronic conditions are covered after serving the 12-month waiting period.

You can cancel OVHC and request a refund for unused coverage, minus admin fees.

Use your insurer’s online directory or mobile app to search approved healthcare providers.

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