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Top 5 OSHC Providers in Australia for 2025

OSHCstudents – If you’re an international student planning to study in Australia, having Overseas Student Health Cover (OSHC) is not just important – it’s a visa requirement. OSHC helps cover medical and hospital care, emergency ambulance services, and certain prescription medicines during your stay.

With multiple providers offering different plans, choosing the right one can be challenging. Here’s a clear, up-to-date comparison of the top 5 OSHC providers in Australia for 2025, to help you make an informed decision.

  1. Allianz Care

Allianz Care is well-regarded among international students for its reliable coverage and practical benefits that meet Department of Home Affairs requirements. Their plans combine essential cover with additional services that make policy management straightforward.

Highlights:

  • 24/7 telehealth consultations via video call.
  • No upfront payment at Allianz network providers.
  • Easy online tools to manage claims, payments, and updates.
  • Ongoing support for students throughout their stay.
  • Access to Sonder for round-the-clock safety, wellbeing, and emergency support.

With a balance of strong coverage, convenience, and dependable support, Allianz Care is a solid choice for students who want peace of mind while studying in Australia.

2. Bupa

Bupa is a well-known health brand in Australia, offering a range of affordable OSHC plans that comply with visa requirements.

Highlights:

  • Access to Blua, Bupa’s digital health platform with 24/7 doctor consultations and pharmacy delivery.
  • Large network of partnered hospitals and clinics.
  • 24/7 customer service.
  • Fast electronic delivery of your insurance certificate.

Bupa’s strong healthcare connections and accessible support make it a popular option among students.

3. Medibank

Medibank provides flexible OSHC plans designed for a variety of needs, including coverage for mental health and primary care.

Highlights:

  • Diverse plan options to suit different student requirements.
  • Full assistance before and after purchase.
  • Quick email delivery of your insurance certificate.
  • Additional complementary benefits.

Medibank’s experience and wide plan range make it a trusted provider in 2025.

4. AHM

A subsidiary of Medibank, AHM focuses on simple and cost-effective OSHC that still meets visa compliance.

Highlights:

  • Competitive pricing for essential cover.
  • Quick, easy online purchase process.
  • Access to Medibank’s healthcare network.
  • Simple online claim management.

AHM is ideal for students who prefer straightforward, affordable cover.

5. NIB

NIB offers low-cost OSHC with a focus on essential benefits and easy online management.

Highlights:

  • Budget-friendly pricing.
  • Fast email delivery of your policy certificate.
  • Mobile app for policy and claims management.

NIB suits students looking for a basic, economical OSHC option.

Tips for Choosing Your OSHC in 2025

When deciding on an OSHC provider, keep in mind:

  • Visa compliance – Ensure the plan meets Department of Home Affairs requirements.
  • Cost vs. coverage – Find the right balance for your budget and health needs.
  • Provider network – Access to hospitals and clinics can reduce out-of-pocket expenses.
  • Extra features – Services like telehealth or gap-free billing can add value.

Final Word

All five providers on this list meet the essential requirements for OSHC in Australia. Allianz Care, with its combination of reliable coverage, convenient services, and student-focused support, continues to be a preferred choice for many in 2025. However, the best option depends on your budget, health needs, and personal preferences.

If you are international students, foreigners arriving to Australia, or Australian citizens traveling abroad looking for OSHC, OVHC, travel insurance, please contact OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.

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OSHCstudents – Overseas Student Health Cover (OSHC) is a mandatory and essential requirement for all international students coming to Australia for higher education or long-term stay. OSHC ensures you have access to reasonably...