Best OSHC & OVHC Deals for Sri Lankans: Compare and Save!

• byBudgetpolicy
• 2025-08-29

Health insurance is one of the initial steps for someone planning to live or study in Australia. It is also an essential aspect of your planning, as it is, in many cases, a visa requirement.

If you're from Sri Lanka and looking to travel or study in Australia, you'll need to explore the options for Overseas Student Health Cover (OSHC) or Overseas Visitor Health Cover (OVHC). These insurance plans ensure you are covered for health care during your stay in Australia, and save you huge sums while you still get to access the expensive healthcare in Australia.

Let's see what top providers like AHM, Bupa, Medibank, AIA, Allianz Care, and NIB have to offer and compare the Best OSHC and OVHC plans for Sri Lankans. We'll also discuss how to choose the best plan, the one that is fit for all your needs.

What are OSHC and OVHC?

OSHC or Overseas Student Health Cover is a health insurance for international students studying in Australia. This cover ensures you have access to services similar to Australia's public health system (Medicare) — as emergency services, hospital care, doctor visits, etc.

OVHC or Overseas Visitor Health Cover is a health insurance for international visitors and tourists in Australia on a temporary visa. This visa covers medical expenses, emergency treatments, and other health-related needs during your stay.

Key Providers of OSHC & OVHC for Sri Lankans

Many top registered providers offer both OSHC and OVHC plans:

• AHM- Reasonable pricing, flexible plan options, and a simple claims process.

• Bupa-  The plan covers hospital and medical treatments, emergency services, and mental health support. In addition to this, Bupa has unparalleled customer service.

• Medibank- A range of options with varying levels of coverage. Medibank is well-known for its reliability and customer satisfaction.

• NIB- Affordable premiums, strong coverage options, and easy-to-understand policies.

• AIA- Comprehensive health cover with wellness benefits and digital health tools. Adapts a proactive approach for preventive care and member support.

• Allianz Care- Flexible plans, 24/7 claims, extensive support services, multilingual assistance, and a wide hospital network.

Perks of Getting an OSHC and OVHC

• Access to Healthcare- Since international visitors and students are not eligible for Australia’s Medicare system, having an OSHC or OVHC keeps you covered in case of an illness or accident.

• Health Cover- Get covered for doctor visits, hospital admissions, some prescription medication, and emergency services like an ambulance. Hence, protecting you from large medical bills.

• Peace of Mind- Focus on your studies, work, or travel without worrying about unexpected medical bills.

Comparing Various OSHC & OVHC Plans: Things to Keep in Mind

Consider the following factors:

• Level of Coverage- Read through the inclusions of the insurance plan, and verify that it includes all the services you need.

• Budget- Being mindful of your budget should not require you to compromise the quality of cover. You might find some plans that seem cheaper but have limited coverage. As much as budget matters, getting a cover that does not include all your needs might not be as promising. Make sure you're getting value for money.

• Exclusions and Waiting Periods- Some treatments, like elective surgery, may have a waiting period. Review any waiting period clauses and exclusions. 

• Customer Support and Claim Process- You wouldn't want to be stuck in an emergency with poor or no support. It is hence extremely crucial to make sure your insurance comes with customer service you can rely on. Also, make sure that making claims is easy.

• Flexibility- Some providers allow you to upgrade or adjust your coverage based on your needs; check for those options beforehand.

Budget policy eases the process of comparing plans from top providers. Our platform helps you get instant quotes that best suit your needs and comply with your visa requirements as well. All this at the click of a finger.

To make the right choice while selecting an OSHC or OVHC plan, it is essential to compare providers like AHM, Bupa, Medibank, AIA, Allianz Care, and NIB beforehand. These registered providers offer a range of plans for Sri Lankans looking to study, work, or visit Australia. Assess factors like coverage, premiums, and customer service. Then, compare these with your needs. You can hence choose the best deal to stay protected and be at peace during your stay in Australia.