Pricing
Price your shortlist properly
Get the inputs right first — a quote is only comparable if they match. Then compare live quotes and buy Allianz Care, Medibank, Bupa or ahm cover online through the UNILINK checkout; payment is completed on a Flywire payment page.
Get these four things right first
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Your exact cover dates
Condition 8501 requires cover for your whole stay. Cover normally has to start on or before you arrive and run to the end of your visa, usually with a buffer after your course ends. A quote for the wrong period is not comparable to anything.
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Who is on the policy
Single, couple or family changes the premium substantially. A partner or child joining you later means a mid-term change, so price that scenario now.
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Whether your university has pre-selected an insurer
Many enrolments bundle a preferred provider by default. You are allowed to decline it and arrange your own — but check the enrolment cut-off date before you do.
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Whether you want extras
Dental, optical and physio sit outside the statutory minimum. If you want them, compare extras quotes separately; they carry their own limits and waiting periods.
Quote by insurer
Five insurers currently sell OSHC in Australia. Allianz Care, Medibank, Bupa and ahm can be quoted and bought through the UNILINK checkout; nib is compared here but not sold, so its link goes to the insurer's own site. We may receive a commission from insurers; commissions do not influence our content or comparisons.
Not sure what to shortlist?
Use the finder on the home page to narrow five down to three, or ask our assistant — it answers from the same published product facts you can read on this site.
Insurer links and product facts collected 1 Oct 2026. CompareOSHC is not an insurer. 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.