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Whether you’re a student applying for your first visa or a skilled worker renewing your stay, choosing the right Overseas Student Health Cover (OSHC) or Overseas Visitor Health Cover (OVHC) can make a major difference - not just in cost, but in how well you’re protected.
At GetMyPolicy.online, we make that choice simple. Our platform lets you compare real-time quotes from trusted insurers - Bupa, nib, Allianz Care Australia, Medibank, AIA, and ahm - to help you find the best, most affordable plan for your visa and budget.
Both types must comply with Visa Condition 8501, ensuring you have adequate medical coverage while in Australia.
Every compliant OSHC or OVHC policy must include:
When using GetMyPolicy.online, consider these factors before selecting a plan:
Which type of cover do I need for my visa?
Students must hold OSHC, while workers, trainees, and dependents require OVHC. Both types must satisfy Visa Condition 8501 to ensure continuous medical coverage in Australia.
Are pre-existing conditions covered?
Yes, but typically after a 12-month waiting period across providers including Bupa, nib, and AIA
Are maternity and pregnancy services included?
Only higher-tier plans (like Bupa and nib’s premium covers) include pregnancy-related care, subject to 12-month waiting periods. ahm’s basic OSHC plans usually exclude maternity.
Can I switch from another provider mid-visa?
Yes. Under DHA regulations, switching is allowed without restarting all waiting periods, provided your new policy begins within 30 days of cancellation with your previous insurer
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