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CompareOSHC

How we compare

CompareOSHC exists because choosing Overseas Student Health Cover is made to feel harder than it is. Five insurers currently sell it in Australia. The legal minimum they must provide is identical. Yet most students end up on whichever policy their university pre-selected, having never seen what the alternatives actually offer.

We publish the comparison we wanted to read.

What we are

Operated by UNILINK Education Pty Ltd (ABN 50 152 187 650). General information only — not personal advice. Purchases are completed on a Flywire payment page. We may receive a commission from insurers; commissions do not influence our content or comparisons.

  • We are not an insurer.
  • We give general information only — no personal financial or medical advice.
  • We do not sell your details. There is no quote form on this site that hands your information to an insurer or a lead buyer.

Where our facts come from

Every product fact on this site comes from one of two places:

  1. The Australian Government’s OSHC Deed and the Department of Health’s published requirements — this is what sets the statutory minimum every approved policy must meet.
  2. The insurers’ own public product pages and PDS documents — this is what each provider claims about its own product above that minimum.

We record the date we collected each set of facts and show it on the page. Product terms and premiums change, sometimes annually, so a fact with no date attached is worth very little.

What we deliberately don’t publish

Star ratings and scores. We do not rate insurers out of ten. Any such score would be our opinion dressed as a measurement, and it is exactly the mechanism that comparison sites use to steer people toward whoever pays them.

Live premiums. We do not run a quote engine. Premiums depend on your exact visa dates, who is on the policy, and which arrangement your campus has. A table of stale prices is worse than no table, so we send you to the insurers for live figures instead.

User reviews we cannot verify. We do not carry review excerpts we cannot trace to a real, attributable source.

How to use the site

Start with what every policy must cover by law — it is more than most students expect, and it means the cheapest approved policy is not a thin one. Then look at the handful of fields where insurers are genuinely allowed to differ: extras, gap-free networks, prescription caps, ambulance, support. Shortlist two or three. Then price them directly.

Contact

Corrections are welcome, especially on product facts. If something here is out of date or wrong, write to contact@compareoshc.au with a link to the source and we will fix it.