Compare OSHC cover
All five DHA-approved student health insurers, in one table. Prices are indicative figures from public 2026 rate sheets.
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Indicative only. Your price depends on age, level of cover, start date and any promotions. We add no fees on top of the insurer's published price.
Full comparison
| Provider | From (single/yr) | Network | Digital claims | Extras | Why consider |
|---|---|---|---|---|---|
| nib | $585 | Digital-first, 24/7 app claims | nib App | Optional extras (dental/optical) | Typically the lowest base premium among the five. |
| ahm | $602 | Part of the Medibank group | ahm App | Optional extras cover add-ons | Simple, good-value plans backed by Medibank’s network. |
| Allianz Care Australia | $622 | Large overseas student network | Allianz Care member portal | Optional extras available | One of the largest OSHC providers by student numbers. |
| Bupa | $650 | Largest direct retail health network | myBupa app | Extras & ambulance options | Biggest direct network and broad extras choice. |
| Medibank | $668 | Largest Australian health insurer | Medibank App | Comprehensive extras add-ons | Australia’s largest health insurer with wide extras. |
Waiting periods you should know
12 months
Pre-existing conditions, pregnancy and childbirth related services have a 12-month waiting period on OSHC.
2 months
Most other pre-existing conditions and psychiatric care are covered after a 2-month wait.
0 months
GP visits, public hospital, ambulance and emergency care are generally covered from day one.
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Common questions before you buyPremiums 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.