ahm
ahm OSHC
Cheapest single OSHC cover in Australia — backed by Medibank's hospital network
✓Visa Compliant
Last updated: March 15, 2026
What's Covered
Benefits and coverage details.
Included
Lowest single price (AUD 623/yr — AUD 52/month)
Same hospital network as Medibank (parent company)
All hospitals covered for A&E (not just public)
Simple, student-friendly online portal
Not Covered
No extras cover available (no dental/optical)
2-month mental health waiting period
Lowest medication cap (AUD 300/yr vs AUD 500 at most others)
Specialist and pathology only at 85% MBS (Bupa offers 100%)
FAQ
Frequently Asked Questions about ahm OSHC
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.
Ready to Get Insured?
Apply for ahm OSHC now and get covered in minutes.