Comparación de seguros 2026
ahm OSHCvs.Bupa OSHC
Una comparación independiente de prestaciones, costes y detalles de cobertura.
✓ Basado en documentos oficiales de pólizas✓ Actualizado marzo de 2026✓ Comparación independiente
| Característica | ahm OSHCVer detalles | Best CoverageBupa OSHCVer detalles |
|---|---|---|
| Precios | ||
| Precio mensual (individual) | ~AUD 52 | ~AUD 63 |
| Precio anual (individual) | AUD 623 | AUD 760 |
| Pareja (anual) | AUD 5,400 | AUD 5,026 |
| Familia (anual) | AUD 11,000 | AUD 11,500 |
| Atención ambulatoria | ||
| Médico general% of Medicare Benefits Schedule | 100% MBS | 100% MBS |
| Atención especializada | 85% MBS | 100% MBS |
| Análisis y radiografías | 85% MBS | 100% MBS |
| Hospitalización | ||
| Urgencias (A&E)Which hospitals covered | All hospitals | Public/agreement only |
| Ambulancia | ||
| Medicamentos | ||
| Límite por medicamentoPer prescription item | AUD 50/item | AUD 50/item |
| Tope anual de medicamentos | AUD 300/yr | AUD 500/yr |
| Periodos de carencia | ||
| Salud mental (preexistente) | 2 months | Waived |
| Enfermedades preexistentes | 12 months | 12 months |
| Obstetricia | 12 months | 12 months |
| Extras y digital | ||
| Médico online | No | Blua (free) |
| Extras dental/ópticaOptional add-on cover | Not available | Optional add-on (dental, optical) |
| Portal de reembolsos | Online portal | Online + App |
| Red de hospitales | Same as Medibank (subsidiary) | Wide network — many uni partnerships |
| Visitarahm OSHC → | VisitarBupa OSHC → | |
ahm OSHCVer detalles
Precios
Precio mensual (individual)
~AUD 52
~AUD 63
Precio anual (individual)
AUD 623
AUD 760
Pareja (anual)
AUD 5,400
AUD 5,026
Familia (anual)
AUD 11,000
AUD 11,500
Atención ambulatoria
Médico general
% of Medicare Benefits Schedule
100% MBS
100% MBS
Atención especializada
85% MBS
100% MBS
Análisis y radiografías
85% MBS
100% MBS
Hospitalización
Urgencias (A&E)
Which hospitals covered
All hospitals
Public/agreement only
Ambulancia
Medicamentos
Límite por medicamento
Per prescription item
AUD 50/item
AUD 50/item
Tope anual de medicamentos
AUD 300/yr
AUD 500/yr
Periodos de carencia
Salud mental (preexistente)
2 months
Waived
Enfermedades preexistentes
12 months
12 months
Obstetricia
12 months
12 months
Extras y digital
Médico online
No
Blua (free)
Extras dental/óptica
Optional add-on cover
Not available
Optional add-on (dental, optical)
Portal de reembolsos
Online portal
Online + App
Red de hospitales
Same as Medibank (subsidiary)
Wide network — many uni partnerships
FAQ
Preguntas frecuentes
Yes, ahm is the cheapest for single students at AUD 623/year (approximately AUD 52/month). However, for couples and families, Allianz Care offers cheaper rates.
Yes, ahm is a subsidiary of Medibank. They share the same hospital network, which means ahm members have access to one of Australia's largest healthcare networks.
No, ahm does not offer extras cover (dental, optical). Among OSHC providers, only Bupa offers optional dental and optical extras as an add-on.
ahm has a 2-month waiting period for pre-existing mental health conditions. If immediate mental health coverage is important, consider Allianz Care or Medibank, which have no waiting period.
Yes, you can switch OSHC providers at any time during your studies. Contact your new provider to arrange the transfer. Coverage continues without gaps and no new waiting periods apply.
Bupa is the ONLY OSHC provider offering optional extras cover. You can add dental (checkups, fillings, extractions), optical (eye exams, glasses, contacts), and physiotherapy to your base OSHC policy for an additional premium.
Bupa covers specialist consultations and pathology at 100% of the Medicare Benefits Schedule (MBS), while all other OSHC providers only cover 85%. This means lower out-of-pocket costs when seeing specialists.
Blua is Bupa's free online doctor service available to all OSHC members. You can consult a doctor via video call through the Blua app — no appointment needed. It's especially useful for minor health issues.
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