Compare OSHC.
Choose smarter cover.
Australia's 5 leading health insurers — Bupa, Allianz Care, Medibank, nib and ahm — in one place. Get an indicative quote in under a minute.
The 5 OSHC providers, at a glance
Indicative single, 12-month premiums from public 2026 rate sheets (AUD).
nib
Typically the lowest base premium among the five.
Digital-first, 24/7 app claims
ahm
Simple, good-value plans backed by Medibank’s network.
Part of the Medibank group
Allianz Care Australia
One of the largest OSHC providers by student numbers.
Large overseas student network
Bupa
Biggest direct network and broad extras choice.
Largest direct retail health network
Medibank
Australia’s largest health insurer with wide extras.
Largest Australian health insurer
How it works
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Single, couple or family? We use public 2026 rate sheets to estimate each insurer.
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Premiums, waiting periods, extras and network — in one clear table.
Buy through us
Same price as going direct. We are an authorised OSHC agent and add no fees.
Visa condition 8501
Student visa holders must maintain adequate health insurance for the whole stay. OSHC satisfies this requirement. We explain exactly what you need before you buy.
Read the requirementsFrequently asked
Is OSHC compulsory?
Yes — most Student visa (subclass 500) holders must hold OSHC for the length of their stay to meet visa condition 8501.
Can I switch insurer?
You can switch at renewal, or mid-policy in some cases with a gap certificate. We help you compare before you commit.
Do you charge a fee?
No. We are an authorised agent and show the same premiums as buying directly from the insurer.
Guides
What is OSHC and do you need it?
OSHC is mandatory health cover for most student visa holders in Australia. Here is what it actually covers.
Read →Cheapest OSHC in 2026: how the 5 providers compare
Indicative single premiums for Bupa, Allianz Care, Medibank, nib and ahm — and what drives the price.
Read →OSHC vs OVHC: which cover do you need?
Student visa 500 needs OSHC; visitor and working-holiday visas need OVHC. The difference matters.
Read →Ready to compare your OSHC options?
Get an indicative quote across all 5 providers — free, no obligation.
Compare OSHC nowPremiums shown are indicative figures compiled from publicly available 2026 insurer rate sheets for standard OSHC. Your actual price depends on age, cover level, start date and any promotions. BlueTier is an independent comparison service and authorised OSHC agent; we do not add fees on top of the insurer’s published price.