对比 OSHC 保障
5 家 DHA 认证的学生医疗保险公司，一张表看完。价格为基于 2026 公开费率表的估算值。
获取估算报价
仅为估算。实际价格取决于年龄、保障等级、起始日期与优惠活动。我们不收取保险公司公开价之外的任何费用。
完整对比
| 保险公司 | 起价（单人/年） | 网络 | 数字理赔 | 附加 | 选择理由 |
|---|---|---|---|---|---|
| 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. |
你需要知道的等待期
12 个月
既往病症、怀孕及相关服务在 OSHC 上有 12 个月等待期。
2 个月
大多数其他既往病症与精神科治疗需等待 2 个月。
0 个月
全科医生、公立医院、救护车与急诊通常首日即保。
Premiums 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.