What is OSHC?
Overseas Student Health Cover (OSHC) is mandatory insurance for all international students in Australia. You must arrange it before your visa is granted, covering your entire study period.
The Four Main Providers
| Provider | ~Annual Cost (Single) | App Quality |
|---|---|---|
| AHM (owned by Medibank) | AUD 580 | Excellent |
| Medibank | AUD 620 | Good |
| Bupa | AUD 635 | Good |
| NIB | AUD 590 | Good |
What's Covered?
All providers must meet minimum government standards: GP visits, specialist visits, hospital accommodation, ambulance, pharmaceuticals. The main difference is in extras (dental, optical, physio) and ease of claims.
Our Recommendation for Nepali Students
AHM consistently offers the lowest price with a well-rated app and fast claim processing. Many Nepali students in Sydney, Melbourne, and Brisbane use AHM. You can buy OSHC directly from ahm.com.au before visa application.
Tip
Buy OSHC to cover your exact CoE dates. If your study duration increases, extend OSHC before your current cover expires or you violate visa condition 8501.
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