Health cover matched to your visa
Your visa decides whether you need OSHC or OVHC. Answer four quick questions and we'll rank the cover that fits — with real prices, not marketing.
What visa are you on?
How old are you?
Age affects premiums — our verified prices are quoted at age 28.
Who needs cover?
What matters most to you?
Your ranked cover
⚠ The Budget trap: this is hospital-only cover. Without Medicare, each GP visit costs you $80–100 out of pocket.
What to know for your situation
Standard waiting periods & the fine print
- 12 months — pre-existing conditions
- 12 months — pregnancy & birth
- 2 months — psychiatric & rehabilitation
- No wait — emergency ambulance
Prices are indicative starting points, not quotes — always get a dated quote for your exact circumstances. Verify your visa's cover requirement with the Department of Home Affairs.
How Arrivly evaluates cover
- 01Suitability for your visa category (OSHC vs OVHC — a hard filter, not a score)
- 02Total policy cost for your dates
- 03Core hospital and medical coverage
- 04Waiting periods
- 05Pharmaceutical benefit limits
- 06Excess and out-of-pocket exposure
- 07Direct-billing access
- 08Flexibility for couples and families
- 09Extras availability
- 10Transparency of exclusions
We filter by your visa first (it decides OSHC vs OVHC), then rank on what you told us matters most. Arrivly does not confirm visa compliance for any individual — verify your requirements officially or with a qualified professional. We hold no insurer affiliate relationships yet, so no commission influences this ranking.
Sources and data notes
nib prices from a verified quote run 25 July 2026 (single, age 28, 485, $500 excess) and nib factsheets dated 1 January 2026. Government references below.
- Department of Home Affairs — health insurance for visa holders
Which visas require OSHC vs OVHC, and Condition 8501
Checked 2026-05-22
- privatehealth.gov.au — overseas visitors and students cover
Definitions of OSHC / OVHC and what each broadly covers
Checked 2026-05-22
- Provider policy pages (Medibank, Bupa, nib, Allianz, AIA, ahm)
Provider names and cover categories only — prices are indicative and still require per-policy verification
Checked 2026-05-22
Written by the Arrivly editorial team
Arrivly is built by people who went through the Australian international-student and skilled-migration journey themselves. Every plan on this page was checked manually against the provider's own website or published documents.
- Published:
- 2026-07-21
- Last reviewed:
- 2026-07-25
- Data verified:
- July 2026