Comparaison d'assurances 2026
ahm OSHCvs.Bupa OSHC
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour mars 2026✓ Comparaison indépendante
| Caractéristique | ahm OSHCVoir détails | Best CoverageBupa OSHCVoir détails |
|---|---|---|
| Tarifs | ||
| Tarif mensuel (individuel) | ~AUD 52 | ~AUD 63 |
| Tarif annuel (individuel) | AUD 623 | AUD 760 |
| Couple (annuel) | AUD 5,400 | AUD 5,026 |
| Famille (annuel) | AUD 11,000 | AUD 11,500 |
| Soins ambulatoires | ||
| Médecin généraliste% of Medicare Benefits Schedule | 100% MBS | 100% MBS |
| Couverture spécialistes | 85% MBS | 100% MBS |
| Analyses & radiologie | 85% MBS | 100% MBS |
| Hospitalisation | ||
| Urgences (A&E)Which hospitals covered | All hospitals | Public/agreement only |
| Ambulance | ||
| Médicaments | ||
| Limite par médicamentPer prescription item | AUD 50/item | AUD 50/item |
| Plafond annuel médicaments | AUD 300/yr | AUD 500/yr |
| Délais de carence | ||
| Santé mentale (préexistante) | 2 months | Waived |
| Affections préexistantes | 12 months | 12 months |
| Obstétrique | 12 months | 12 months |
| Options & numérique | ||
| Médecin en ligne | No | Blua (free) |
| Options dentaire/optiqueOptional add-on cover | Not available | Optional add-on (dental, optical) |
| Portail remboursements | Online portal | Online + App |
| Réseau hospitalier | Same as Medibank (subsidiary) | Wide network — many uni partnerships |
| Visiterahm OSHC → | VisiterBupa OSHC → | |
ahm OSHCVoir détails
Tarifs
Tarif mensuel (individuel)
~AUD 52
~AUD 63
Tarif annuel (individuel)
AUD 623
AUD 760
Couple (annuel)
AUD 5,400
AUD 5,026
Famille (annuel)
AUD 11,000
AUD 11,500
Soins ambulatoires
Médecin généraliste
% of Medicare Benefits Schedule
100% MBS
100% MBS
Couverture spécialistes
85% MBS
100% MBS
Analyses & radiologie
85% MBS
100% MBS
Hospitalisation
Urgences (A&E)
Which hospitals covered
All hospitals
Public/agreement only
Ambulance
Médicaments
Limite par médicament
Per prescription item
AUD 50/item
AUD 50/item
Plafond annuel médicaments
AUD 300/yr
AUD 500/yr
Délais de carence
Santé mentale (préexistante)
2 months
Waived
Affections préexistantes
12 months
12 months
Obstétrique
12 months
12 months
Options & numérique
Médecin en ligne
No
Blua (free)
Options dentaire/optique
Optional add-on cover
Not available
Optional add-on (dental, optical)
Portail remboursements
Online portal
Online + App
Réseau hospitalier
Same as Medibank (subsidiary)
Wide network — many uni partnerships
FAQ
Questions fréquemment posées
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.
Vous avez trouvé le meilleur plan ?
Comparez d'autres formules ou souscrivez directement — couvert en quelques minutes.