What will your visa health cover cost?
Most Australian visas require health insurance — OSHC for students under condition 8501, OVHC for temporary workers and visitors who can't use Medicare. This estimator shows the typical cost band to budget against by visa, cover type (single, couple or family) and how long you need it. Indicative published ranges for mid-2026, not a live quote and not a recommendation of any fund — providers set their own prices and an average ~4.41% rise took effect 1 April 2026. Confirm what your visa requires with Home Affairs and get a current quote before you buy.
Compare all five OSHC insurers →
Common questions
How much does OSHC cost for a student visa?
For a single student, OSHC is roughly $625–$810 a year across the five approved funds (the cheapest 12-month single policies sit near $630). Couple and family cover costs several times more. Prices are not set by the government — each fund sets its own — so always get a current quote for your exact dates.
What's the difference between OSHC and OVHC?
OSHC (Overseas Student Health Cover) is the cover the student subclass 500 visa requires under condition 8501. OVHC (Overseas Visitor Health Cover) is for temporary visa holders not eligible for Medicare — including 482, 485, 870, visitor and working-holiday visa holders.
Are these live quotes?
No. These are typical published bands for mid-2026 to help you budget — not a quote and not a recommendation of any fund. The government approved an average premium rise of about 4.41% from 1 April 2026, and prices vary by fund, policy tier, age and exact dates. Get a current quote before you buy.