Clear, independent and easy-to-understand guides to help you identify the NIB health-cover pathway relevant to your visa and understand key Australian requirements.
For international students, with detailed guidance around Student Visa 500, membership types, waiting periods, claims, renewal and switching.
For eligible graduates, workers and visitors, with visa-specific guidance including 485, 482, 407, 408, 417 and 462.
Instead of comparing every insurer, this website is deliberately focused on NIB OSHC and NIB OVHC and the practical questions visa holders ask before buying, switching or using cover.
Visa-specific guidance500, 485, 482 and other temporary visas.
Condition 8501 explanationsPlain-English guidance with links to primary sources.
Member-use guidesWaiting periods, claims, switching and cover management.
Understand OSHC requirements and key cover considerations.
Read guide →Graduate Visa 485Explore the transition from student cover to visitor cover.
Read guide →Visa conditionLearn what adequate health insurance means for relevant visa holders.
Read guide →Start with the basics, then open the detailed guide relevant to your situation.
OSHC is the health-cover category used for international students, while OVHC is used for eligible overseas visitors and temporary visa holders. Your visa and circumstances determine which pathway is relevant.
No. This is an independently operated website focused on NIB OSHC and OVHC information.
Graduates moving away from a student-visa setting commonly need to review their health-cover category. See our 485 and switching guides for details.
Choose the OSHC or OVHC pathway relevant to you.
