01
Start with eligibility
OSHC is designed for eligible international students. OVHC offers options for eligible visitors and workers. Your visa status and Medicare eligibility matter more than which product is cheaper.
02
Compare like for like
For either type, align the dates and people covered. Then check medical benefits, hospital cover, waiting periods, exclusions and your likely out-of-pocket costs.
03
Plan a change of cover
If your visa or circumstances change, ask your insurer when your existing cover should end and the next policy should begin. Confirm the arrangements before cancelling so you can avoid an unintended gap.
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