Trying to find cheap OSHC Australia cover without compromising on quality? Choosing the right Overseas Student Health Cover (OSHC) in Australia can be confusing, so this guide breaks down the latest OSHC Australia prices and provides a detailed comparison of major OSHC providers, including Allianz Care, NIB, BUPA, AHM, and Medibank. Understanding these differences will help you make an informed decision and find the best value cover for your needs, whether you’re a single student, a couple, or bringing your family to study in Australia.
Quick answer: For the 12 months from August 2026, the cheapest OSHC Australia prices are Allianz Care at $665 for a single student, $5,351 for a couple, and $9,515 for a family. See the full price comparison and get a quote below.
How much is OSHC in Australia and why it’s essential for international students
OSHC means Overseas Student Health Cover, and it’s mandatory insurance for international students in Australia. It helps cover the cost of medical treatments and hospital care, ensuring students have access to essential health services during their stay. Without OSHC, you could face significant out-of-pocket expenses for medical care. Additionally, you cannot apply for an Australian Student visa without a valid OSHC.
Short on time? Here are the answers to your most burning question: Which one is the cheapest?
Cheapest Single OSHC for an International Student in Australia
Allianz Care offers the cheapest Overseas Student Health Cover for a single student. For the 12 months from August 2026, a policy costs $665. AHM OSHC is a close secon$d at 672.
Get a quote and purchase the most affordable single OSHC from Allianz Care here.
Cheapest OSHC for Couples
If you are applying for a Student visa with your partner, you may want to consider couples’ cover. While this type of policy typically costs more than two single covers, it offers peace of mind in case you or your partner require medical treatment while studying in Australia. By choosing the right provider, you could save lots of money.
In August 2026 Allianz Care offers the most affordable OSHC for couples, with a policy costing $5,351 for 12 months.
Compare and purchase the cheapest Overseas Student Health Cover for couples from Allianz Care here.
Cheapest OSHC for Families
Allianz Care offers the most affordable OSHC for families applying for a Student visa in Australia in August 2026. When comparing family OSHC policies, the savings can be significant, exceeding $4,600 on a 12-month plan.
If you and your partner are planning to come to Australia with children, a 12-month Allianz Care family policy will cost $9,515, while Medibank, the most expensive provider for families, charges $14,121.
Compare and purchase your family OSHC here.
Overview of All OSHC Providers in Australia
Allianz Care OSHC
Allianz Care offers comprehensive hospital and medical services, including inpatient and outpatient treatments. Key features include:
- Full coverage for public and private hospital accommodation.
- Coverage for GP visits, specialist consultations, and pathology.
- Prescription medicines with a co-payment, capped annually.
- Emergency ambulance services.
- Mental health services and repatriation.
NIB OSHC
NIB provides extensive coverage for medical services and hospital care. Highlights include:
- Full coverage for shared rooms in public hospitals and partial coverage for private hospitals.
- Coverage for GP and specialist consultations, as well as pathology.
- Prescription medicines with a co-payment, capped annually.
- Emergency ambulance services.
- Comprehensive mental health services.
BUPA OSHC
BUPA focuses on comprehensive care with a range of benefits:
- Full coverage for public hospital stays and partial for private hospitals.
- GP visits, specialist consultations, and pathology services covered.
- Prescription medicines with a co-payment, capped annually.
- Emergency ambulance services.
- Health and wellbeing programs.
Medibank OSHC
Once government-owned, Medibank is now Australia’s largest private health insurer, trusted by top universities.
- Full coverage for public and private hospital stays.
- Coverage for GP visits, specialist consultations, and pathology.
- Prescription medicines with a co-payment, capped annually.
- Emergency ambulance services.
- Comprehensive mental health services and repatriation.
AHM OSHC
AHM, owned by Medibank, offers a straightforward and reliable OSHC plan:
- Comprehensive hospital and medical services coverage.
- Emergency ambulance services.
- Prescription medicines with a co-payment, capped annually.
- Mental health services and repatriation included.
Key Factors to Consider When Choosing OSHC
When selecting an OSHC provider, consider the following factors:
- All providers are Student visa eligible: Even the most affordable OSHC is sufficient for your Australian Student visa application.
- Hospital Coverage: Ensure the plan covers both public and private hospital stays as needed.
- Medical Services: Look for comprehensive coverage for GP and specialist consultations, including pathology and diagnostic services.
- Prescription Medicines: Check the annual cap and co-payment requirements for medications.
- Additional Services: Evaluate the availability of mental health services, repatriation, and any extras like dental or optical cover.
- Waiting Periods: Be aware of any waiting periods for pre-existing conditions and other specific treatments.
OSHC usually doesn’t cover dental, optical, or physiotherapy treatments. You can find out more about Overseas Student Health Cover on the website of the Australian Department of Health and Age Care.
Making the Right Choice for Your Health Needs
Choosing the right OSHC provider can significantly impact your healthcare experience while studying in Australia. By comparing the offerings of Allianz Care, NIB, BUPA, AHM, and Medibank, you can find a plan that best fits your health needs and financial situation. Ensure to read the policy documents carefully and consider any additional services or benefits that may be important to you.
Pro tip: Your OSHC policy must be valid for longer than the duration of your course. Find out more about the correct duration of your OSHC in our FAQs.
Frequently Asked Questions: Cheap OSHC Australia Prices
How much does OSHC cost in Australia in 2026-2027?
OSHC Australia prices vary by provider and cover type. For the 12 months from August 2026 to August 2027, single cover starts from $665, couples cover from $5,351, and family cover from $9,515 with Allianz Care, the cheapest OSHC Australia provider in our comparison. See the full breakdown above.
What is the cheapest OSHC in Australia right now?
Allianz Care is currently the cheapest OSHC Australia provider for singles, couples, and families for the 12 months from August 2026 to August 2027, with AHM OSHC a close second for single students. Prices change regularly, so it’s worth comparing quotes before you buy.
Is cheap OSHC still enough for my Australian Student visa?
Yes. All OSHC policies sold through government-approved providers, including the cheapest options, meet the health insurance requirements of an Australian Student visa (subclass 500). Choosing a cheaper policy does not affect your visa eligibility, though cover levels for extras can vary between providers.
Where can I compare and buy cheap OSHC Australia policies online?
You can compare live pricing from all major OSHC providers and purchase your policy online in minutes. Get a quote and buy your cheap OSHC Australia policy here.
Conclusion: Secure Your Health with the Best OSHC
Securing the right OSHC is crucial for your peace of mind and well-being while studying in Australia. With this guide from Study Anywhere, you can make an informed decision and choose a provider that offers the best coverage for your needs. Whether you prioritize extensive hospital care, mental health support, or additional wellness programs, there is an OSHC plan that will meet your requirements.
For more detailed information, refer to the specific policy guides and member documents of each provider to understand the full scope of their services and coverage. If you have any questions, feel free to also reach to your Study Anywhere team.
