Compare OSHC Providers
Side-by-side comparison of all 6 Australian government-approved OSHC providers. Compare premiums, coverage, waiting periods, and key features for 2026.
| Feature | Medibank | Allianz Care Australia | Bupa | nib | CBHS International Health | ahm (Australian Health Management) |
|---|---|---|---|---|---|---|
| Rating | 8.6/10 | 8.5/10 | 8.4/10 | 8.2/10 | 8.1/10 | 8/10 |
| Single 12m | $642 | $620 | $618 | $605 | $590 | $585 |
| Couple 12m | $1,282 | $1,240 | $1,234 | $1,210 | $1,180 | $1,168 |
| Family 12m | $1,605 | $1,550 | $1,543 | $1,512 | $1,475 | $1,460 |
| Gap Cover | No gap for GP visits at Medibank Members' Choice providers; gap may apply for specialists | No gap for GP at Allianz direct-billing clinics; specialist gap may apply | Gap-free at Bupa Members First network providers for standard GP consultations | Gap may apply; nib has a First Choice network for reduced out-of-pocket costs | Variable; CBHS has a gap cover scheme to reduce out-of-pocket costs | Gap may apply for specialist visits; GP gap depends on whether provider bulk-bills |
| Ambulance | 100% emergency ambulance cover | 100% emergency and non-emergency ambulance cover | 100% emergency ambulance cover | 100% emergency ambulance cover | 100% ambulance cover | 100% emergency ambulance cover |
| Extras Available | — | Optional Extras cover for dental, optical, physiotherapy, chiropractic | Optional Extras OSHC add-on for dental, optical, and physiotherapy | — | Optional Top Extras cover for dental, optical, physio, chiro | — |
| Pre-existing Wait | 12 months for pre-existing conditions (mirrors government-mandated minimum) | 12 months | 12 months | 12 months | 12 months | 12 months |
| Pregnancy Wait | 12 months for pregnancy and birth-related services | 12 months | 12 months | 12 months | 12 months | 12 months |
| Website | Visit site → | Visit site → | Visit site → | Visit site → | Visit site → | Visit site → |
Prices are indicative ranges sourced from provider websites as of July 2026. Premiums vary by visa duration and cover level. Visit each provider's website for current pricing. CompareOSHC is an independent comparison platform.
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