OSHC Australia

What OSHC Australia does

OSHC Australia Pty Ltd operates an online comparison and marketplace platform that aggregates all six Australian Government-approved Overseas Student Health Cover (OSHC) providers — CBHS International Health, AHM, Allianz Care, Bupa, Medibank, and NIB — enabling international students holding subclass 500 visas to compare pricing, features, and policy terms in one place and purchase coverage directly. The platform is powered by Flywire and the parent Cohort Go payments stack, supports payments in local currencies with competitive FX, and delivers policy certificates within minutes of purchase; it is offered in English, Chinese, Portuguese, Spanish, Vietnamese, Malay, Thai, and Korean to serve non-English-speaking inbound students. Distribution combines a self-serve direct-to-consumer website with an education agent channel operated through the Flywire Agent Platform, where agents can issue certificates and earn commission.

The company monetizes via affiliate and referral commissions from the six approved OSHC insurers and via commission arrangements with education agents; it does not underwrite insurance or charge end-user platform fees disclosed in the source data. It is a privately held Australian proprietary limited company headquartered in Sydney, founded to address the lack of price transparency and limited choice international students previously faced when buying OSHC. The team is described as small, led by former senior managers from the financial services sector with over 30 years of combined experience, supplemented by in-house technology professionals; no external institutional funding, M&A, or leadership changes are disclosed. Related brands in the OSHC Australia Group (OVHC, 485 insurance, 457 insurance) extend the offering across the temporary-visa insurance lifecycle.

Name

OSHC Australia

Legal name

OSHC Australia Pty Ltd

Website

https://oshcaustralia.com.au

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

OSHC Australia is an online comparison marketplace that aggregates all six Australian Government-approved OSHC providers, enabling international students on subclass 500 visas to compare, purchase, and instantly receive mandatory health insurance certificates, monetizing via insurer and education-agent commissions.

Ownership category

akta.pro rank

Product category

Overseas Student Health Cover (OSHC) comparison and distribution

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

International Healthcare Access & Provider Network Navigation (EDAIAMAI)

akta.pro secondary industries

International Student Health & Travel Insurance (EDAIAMAA), Student Health Insurance Plans (Individual Market) (HLAEABAI)

Keywords

• Overseas student health cover
• OSHC comparison platform
• International student insurance
• Student visa health insurance
• OSHC marketplace

Headquarters

HQ city

East Brisbane

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Others

Revenue model

1. Insurance Commission: OSHC Australia earns commission from insurance providers for facilitating policy sales. The platform acts as an aggregator and marketplace, earning revenue through referral fees and commissions from partnered OSHC providers.
2. Agent Platform Services: Provides education agents with tools to compare and sell OSHC policies, generating revenue through agent commission arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

OSHC Australia operates an online comparison and distribution marketplace that aggregates every Australian Government-approved Overseas Student Health Cover (OSHC) provider — AHM, Allianz Care Australia, Bupa, CBHS, Medibank and NIB — so international students can compare cover, get quotes and buy in one place. The platform integrates with Flywire for cross-border payments and with the Cohort Go education-agent platform, while delivering instant digital policy certificates to satisfy Australian student visa (subclass 500 and related) health-insurance requirements.

Product overview

OSHC Australia is a comparison marketplace platform that aggregates all six Australian Government-approved Overseas Student Health Cover (OSHC) providers — AHM, Allianz Care, Bupa, Medibank, CBHS International Health, NIB, and Worldcare (Allianz Care) — enabling international students to compare pricing, features, and policy terms in one place. The platform is powered by Flywire/Cohort Go for payment processing and delivers policy certificates within minutes of purchase. It is a single unified platform, not a product with modules; customers select and purchase from the listed provider brands, with Cohort Go Payments offered as a supplementary payment service for international fee payment.

Differentiator

Problem solved

Functional benefit

Products and services

• OSHC Australia comparison platform Online comparison and distribution platform that aggregates every Australian Government-approved OSHC provider (AHM, Allianz Care Australia, Bupa, CBHS, Medibank, NIB) so international students can compare benefits, pricing, and policy terms in a single workflow and complete purchase.
• Cohort Go integrated payments Cross-border payment service that lets international students and their families pay OSHC premiums from overseas in their home currency, settled through OSHC Australia's Cohort Go integration.
• Flywire payment integration Payment-rail integration with Flywire enabling international card and bank-payment settlement for OSHC premiums at point of sale on the platform.
• Education agent channel (Cohort Go / Flywire Agent Platform) Channel offering that lets education agents and student placement providers source compliant OSHC for their students via the Cohort Go and Flywire Agent Platform integrations.

Quantifiable outcome

• Save up to $300 on a 5-year single 500 visa health insurance policy
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• FlywirecoreGTM or Marketing PartnerFlywire provides payment processing infrastructure for OSHC Australia, enabling international students to pay for their insurance policies using competitive foreign exchange rates with no fees. The partnership includes Flywire Agent Platform for education agents.
• CBHS International HealthcoreGTM or Marketing PartnerCBHS is one of six Australian government-approved OSHC providers featured on the OSHC Australia comparison platform. CBHS offers Standard and Essentials OSHC plans for international students.
• AHM OSHCcoreGTM or Marketing PartnerAHM (Australian Health Management) is a government-approved OSHC provider, owned by Medibank, featured on OSHC Australia. AHM received Canstar's Outstanding Value award for OSHC in 2023.
• Allianz Care OSHCcoreGTM or Marketing PartnerAllianz Care is one of the largest providers of OSHC for overseas students in Australia. Featured on OSHC Australia with Single, Dual Family, and Multi-Family plan options.
• Bupa OSHCcoreGTM or Marketing PartnerBupa is Australia's largest healthcare provider with international reach. Featured on OSHC Australia as one of six approved OSHC providers.
• Medibank OSHCcoreGTM or Marketing PartnerMedibank is an Australian government-approved OSHC provider featured on the platform. Offers Essentials OSHC coverage with online doctor consultations and 24/7 student health support.
• NIB OSHCcoreGTM or Marketing PartnerNIB is one of Australia's largest health insurers, insuring over one million Australians and 130,000+ international students. Featured as one of six approved OSHC providers on OSHC Australia.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• IDP Education: IDP Education is a global leader in international student placement and English language testing, serving Australian universities and students. It is comparable as an adjacent player in the international education services ecosystem where OSHC Australia's agent distribution channel operates.
• Bupa Australia: Bupa is one of Australia's largest health insurers and a government-approved OSHC provider featured on OSHC Australia's comparison platform. It is comparable as a direct provider of the underlying OSHC product, though it sells primarily through its own direct channels rather than as an aggregator.
• NIB Health Insurance: NIB is one of Australia's largest health insurers, insuring over 130,000 international students with OSHC. It is comparable as a direct OSHC provider and a partner of OSHC Australia's marketplace, with a dedicated app and student-focused features.
• CBHS International Health: CBHS International Health is one of six government-approved OSHC providers in Australia and a partner on OSHC Australia's comparison platform. Comparable as a direct OSHC underwriter with Standard and Essentials plans targeting international students.
• Medibank: Medibank is a major Australian health insurer and parent of AHM, both of which are government-approved OSHC providers listed on OSHC Australia. Comparable as a direct competitor in the OSHC market via its owned brands and direct digital channels.
• AHM Health Insurance: AHM (Australian Health Management) is a Medibank-owned government-approved OSHC provider featured on OSHC Australia. It received Canstar's Outstanding Value Award for OSHC in 2023 and competes directly in the OSHC market through its own channels.
• Allianz Care Australia: Allianz Care is one of the largest providers of OSHC in Australia and underwrites the Worldcare OSHC brand listed on OSHC Australia. Comparable as both a partner and direct competitor in the OSHC category, with multinational distribution capabilities.

Others

• Flywire: Flywire provides the international payment processing backbone for OSHC Australia and operates the Flywire Agent Platform that education agents use to sell OSHC. It is comparable as the enabling infrastructure partner and broader competitor in education payments and cross-border tuition flows.
• Cohort Go: Cohort Go is the parent platform powering OSHC Australia's international payments infrastructure, enabling students to pay OSHC, tuition, and study-related expenses with competitive FX rates. It is comparable as the operating and payments ecosystem underlying OSHC Australia and serves the broader international education payments market.

Regional players

• International Student Insurance: International Student Insurance is a US-focused comparison and brokerage platform for international student health insurance, serving a comparable customer segment outside Australia. It is comparable as a regional peer offering a similar aggregator and comparison proposition in a different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CohortGo
• Facebookfacebook.com/aboutcohort
• LinkedInlinkedin.com/company/oshc-australia

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OSHC Australia