Your guide to insurance

Welcome to our resources page! Here, you'll find everything you need to navigate the world of insurance in Australia. Whether you're a student or a visitor, we're here to help you understand your options and make informed decisions.

OSHC vs OVHC in Australia:

How to Compare and Choose the Right Health Insurance for Students and Visitors

If you’re planning to study or visit Australia, health insurance is one of the most important things to sort out before you arrive. Without the right cover, you could be facing unexpected medical bills—even for routine care. Two common types of health insurance for temporary residents are Overseas Student Health Cover (OSHC) and Overseas Visitor Health Cover (OVHC). This post explains the differences, highlights key benefits, and shows you how to get fast quotes so you can choose the best option for your situation.

What Is OSHC?

IOverseas Student Health Cover (OSHC) is a type of health insurance policy designed specifically for international students in Australia. If you’re applying for a student visa (subclass 500), you are generally required by the Department of Home Affairs to maintain OSHC for the full duration of your stay.

Who Needs OSHC?

  • International students on a student visa

  • Some student dependants included in your visa

What Does OSHC Cover?

Typical OSHC benefits include:

  • Hospital treatment as a public patient

  • Some doctor visits and prescription medicines

  • Limited ambulance services

  • Some emergency care

Note: OSHC does not cover everything. Extras like dental, physiotherapy, or optical care may cost extra or require alternative policies.

What Is OVHC?

Overseas Visitor Health Cover (OVHC) is for temporary visitors to Australia who aren’t on a student visa but still want health insurance. This includes tourists, working holidaymakers, temporary work visa holders, and others who need health coverage but aren’t required to take OSHC.

Who Might Choose OVHC?

  • Tourists on a visitor visa (e.g. subclass 600)

  • Working holidaymakers (subclass 417/462)

  • Temporary skilled workers (subclass 482)

  • Family members visiting a visa-holder

What Does OVHC Cover?

OVHC generally covers:

  • Hospital treatment

  • Emergency services

  • Some doctor visits

Coverage levels vary between providers and plans. Extras (like dental or optical) might be optional.

OSHC vs OVHC: Key Differences

Overseas Student Health Cover (OSHC) and Overseas Visitor Health Cover (OVHC).

Feature OSHC OVHC
Required for student visas ✅ Yes ❌ No
Designed for students ✅ Yes ❌ Not specifically
Visa compliance purpose ✅ Yes ❌ Not usually
Typical coverage Hospital + doctors + limited extras Hospital + doctors (variable)
Optional extras available Sometimes Often available
Available durations Up to full course length Usually shorter, flexible
Price range Fixed by providers Varies more widely

Health Insurance Comparison Tool for Students and Visitors Coming to Australia

If you’re planning to study in Australia or visit Australia on a temporary visa, choosing the right health insurance is essential. To make this easier, we offer a dedicated OSHC and OVHC comparison and buying tool designed specifically for international students and overseas visitors.

Designed for People Coming to Australia

Our comparison tool is built for:

  • 🎓 International students who need OSHC (Overseas Student Health Cover) for their student visa

  • ✈️ Visitors, temporary residents, and working holiday visa holders who require OVHC (Overseas Visitor Health Cover)

The tool ensures you select a policy that meets Australian visa requirements while also matching your budget and healthcare needs.

What You Can Do with Our Tool

Using our online comparison tool, you can:

  • ✔ Compare OSHC and OVHC policies from leading Australian health insurers

  • ✔ See coverage, benefits, and prices side by side

  • ✔ Get instant quotes based on your visa type

  • ✔ Choose the right policy for students or visitors coming to Australia

  • ✔ Buy your health insurance online quickly and securely

The process is simple, fast, and designed to remove confusion.

Why Use Our Health Insurance Tool?

  • Saves time by comparing multiple insurers in one place

  • Helps avoid buying the wrong insurance for your visa

  • Shows only visa-appropriate health cover options

  • Makes the process easy even if you’re outside Australia

Whether you’re preparing for your arrival or already planning your visa application, our tool helps you get covered with confidence.

Start Your Health Insurance Comparison Today

Health insurance is a key requirement for most Australian visas—and choosing the right cover matters.

👉 Click below to compare and buy OSHC or OVHC now
👉 Get fast quotes and choose the right health cover for your stay in Australia

https://ternlegal.budgetpolicy.com/

It takes only a few minutes to start the process.

OSHC BUPA Allianz Medibank NIB