nib OSHC

Friendly, straightforward health cover for students

nib is one of Australia's largest health insurers and an approved OSHC provider. nib OSHC offers international students comprehensive hospital, medical, and pharmaceutical benefits with a focus on digital-first experience. nib's mobile app provides easy claims, provider search, and health management tools. nib also offers an OVHC product for 485 visa holders transitioning from student to graduate visas.

8.2

Overall Rating / 10

Coverage8

Value8.3

Support8

Network8

Premium Ranges (2026)

Single — 12 Months

$605 – $1,090 AUD

Couple — 12 Months

$1,210 – $2,180 AUD

Family — 12 Months

$1,512 – $2,725 AUD

nib offers flexible payment options including monthly installments.

Coverage Details

Hospital

100% MBS fee for shared ward in public hospitals

Medical

GP consultations (100% MBS)
Specialist consultations (85-100% MBS)
Pathology and radiology (85-100% MBS)

Pharmaceutical

Up to $50 per prescription, annual max $300 (single) / $600 (family)

Mental Health

Covered; nib mental health support programs available

Waiting Periods

General

No waiting period for most services

Pre-existing

12 months

Pregnancy

12 months

Psychiatric

2 months

Key Features

Digital-first experience with easy online management

nib App for claims, digital card, and provider search

Flexible payment options (monthly installments)

OVHC available for graduates on 485 visas

First Choice provider network for reduced gaps

Health management programs

Considering nib?

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