Maintenance of Overseas Student Health Cover (OSHC) is a mandatory condition for the entire duration of the student visa.This insurance is essential to assist students with medical and hospital care costs while in Australia.
Comparison of Approved OSHC Providers for 2026
Students must purchase OSHC from one of the six approved providers. While most universities arrange OSHC as part of the enrollment, students have the right to choose their own provider to find a plan that fits their budget.
| Provider | Notable Characteristics | 12-Month Single Cost (Est. Dec 2025) |
| ahm OSHC | Generally the most affordable option for single students. | $633 |
| Allianz Care | Comprehensive hospital cover and 24/7 helpline; standard at many unis. | $806 |
| Bupa | Best-in-class coverage for couples and families. | $800+ |
| Medibank | Integrated MyMedibank app for claims and digital health support. | $800+ |
| nib OSHC | Strong focus on private hospital networks. | $800+ |
Students must ensure the policy start date is at least one week before their course begins to cover them upon arrival and must extend until the day their visa expires.