NIB was established in 1952 and are one of Australia’s fastest growing health funds. The insurance provider empower members to make better decisions and improve health outcomes through accessibility to affordable health services and information. NIB provide health and medical insurance to over 1.4 million Australian and New Zealand residents. They also provide health insurance to more than 190,000 international students and workers in Australia. NIB won the 2021 Outstanding Value Award for Overseas Student Health Cover by Canstar, a financial comparison site.

General Overview of NIB Overseas Student Health Cover

Why choose NIB?

Nib has a range of great value health covers that meet the Department of Home Affairs (DHA) visa conditions 8501 requirements for visa subclass 401, 407, 408, 416, 417, 420, 457, 461, 462, 482, 485 and more.

What are the benefits of joining NIB for OVHC?

The following are benefits of joining NIB for your OVHC:

  • Visa compliant health cover
  • Winner of Canstar’s Outstanding Value Award
  • Access to the nib mobile app and digital card
  • We recognise waiting periods already served with previous Australian health insurers
  • Everyday savings on transport, shopping and more with the nib Rewards Program
What OVHC options does NIB have?

NIB has four types of cover for overseas visitors:

  1. Budget Visitor Cover
  2. Budget Visitor Cover with Extras
  3. Basic Visitor Cover
  4. Basic Visitor Cover with Extras

NIB Overseas Visitor Health Cover

Health Insurance BenefitsNIB
Visa Compliance
Meets government requirements
Instant visa letter
Out of Hospital Treatment
Doctor Servicesx
Antenatal, postnatal and psychiatric benefitsx
Prescription medicinesx
Hospital Types Covered
Public hospitals
Private hospitals - agreement
Private hospitals - non-agreement
In Hospital Inclusions
Excess$500 per year per person
All Hospitals
Prescription Medicines (in hospital)
All Hospitals
Surgical implanted prosthesis
All Hospitals
Accident and emergency services
All Hospitals
Doctor services
Full Cost
In Hospital Specific Services
Pregnancy and related servicesLower benefits
Psychiatric or palliative careLower benefits
Gastric BandingLower benefits
Bone marrow and organ transplantx
IVF and Assisted repoductive servicesx
Cosmetic surgeryx
Emergency ambulance services
Gap scheme
Repatriation to home country
Waiting Periods
In-patient psychiatric, rehabilitation and palliative care2 months
Pre-existing conditions12 months
Pregnancy and related services12 months
Out of hospital prescription medicinesx


How do I get my NIB Membership Card?

Your nib member card has your name and member number on it and can be used to identify you and your policy, so take it with you to all medical appointments. You can use your nib card to claim at your dentist, physio, optometrist or other Extras healthcare provider. All adult policy members will be sent a member card shortly after they join, and you can request additional cards for other policy members. If you have a smartphone, you can also access your digital nib card to save bringing your plastic card with you to your healthcare appointments. Find your digital member card in the NIB App.

What does the NIB OSHC not cover?

NIB OVHC does not cover the following under the insurance policy:

  • Assisted reproductive services
  • Bone marrow and organ transplant
  • Cosmetic surgery
  • Infertility investigations
  • Outpatient Doctors and Specialists
  • Outpatient pharmaceutical
  • Services not covered by Medicare

Note: This is not a complete list of exclusions. Please ensure you conduct independent research prior to taking out OSHC. 

How can I make an OSHC claim?

To make an OSHC claim with NIB, there are several options:

  • The fastest way to claim is:
    • Online
    • NIB App
  • Alternatively, you can complete the OSHC Claim Form and attach your original healthcare receipts. You can lodge this form by either:
    • Email; or
    • Post

Book an appointment today for a commitment free briefing with our Registered Migration Agents to find more about your visa options.