Understanding Your Cover
What you need to know.
Health cover is mandatory for international students and some visitors in Australia. Here's the difference between OSHC and OVHC.
OSHC
Overseas Student Health Cover
Mandatory for all international students on a student visa (subclass 500). Covers doctor visits, hospital treatment, ambulance, and pharmaceuticals.
- Doctor & specialist visits
- Hospital treatment (shared ward)
- Emergency ambulance
- Prescription medicines (PBS)
- 24/7 health support line
OVHC
Overseas Visitors Health Cover
For family members, visitors, and working holiday makers in Australia on temporary visas (not student visa).
- Doctor & specialist visits
- Hospital treatment
- Emergency ambulance
- Pregnancy & birth cover
- Family member coverage
Australia Only
OSHC and OVHC are specific to Australia. This health cover is available only for international students and visitors in Australia. If you're heading to another country, check our services page for other options.
Compare & Save
Get your instant quote.
Compare prices from Australia's top health cover providers. Find the best rate for your needs.
Trusted Providers
Australia's leading health insurers.
We compare prices from all major OSHC and OVHC providers approved by the Australian Government.
AHM
Part of Medibank. Simple, affordable student health cover with easy online claims.
Allianz Care
Global insurer trusted by millions. Comprehensive OSHC with worldwide emergency cover.
Bupa
Australia's largest health insurer for international students. 24/7 health support.
CBHS
Member-owned health fund. Competitive rates with excellent member satisfaction.
Medibank
Extensive provider network across Australia. Live Healthier program included.
NIB
Affordable cover with excellent digital experience. Easy app for claims and cards.
FAQ
Common questions.
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