FAQ
Frequently asked questions
The questions students and visa holders ask most about OSHC, OVHC and visa cover.
OSHC covers eligible overseas students and their dependants and has government-set minimum benefits. We compare products from five providers, but pharmacy limits, waiting periods, medical networks and out-of-pocket costs still need checking. OVHC offers cover for eligible overseas visitors and workers, with substantial differences in hospital and outpatient benefits. Start with your visa, Medicare eligibility and product rules, then compare benefits and premiums for the same dates.
Continue exploring
Compare OSHC
Compare Overseas Student Health Cover from five providers. Check OSHC prices, medical benefits, waiting periods and cover dates for a student visa, then request a quote.
Compare OVHC
Compare Overseas Visitors Health Cover for working and visiting Australia. Check OVHC costs, benefits and visa condition 8501, then request a personalised quote.
Health insurance guides
- OSHC vs OVHC: which health cover should you compare?
- OVHC for a 485 visa: a cover transition checklist
- OSHC start and end dates: how to plan your cover
- Using OSHC: GP visits, gap fees and claims
- Switching OSHC: continuity, waiting periods and refunds
- OSHC for partners and children: a family cover checklist
Does your visa need cover?
Pick your subclass and see whether you need OSHC, OVHC, or nothing at all.