Your OSHC Pty Ltd

What Your OSHC Pty Ltd does

Your OSHC Pty Ltd is an Australian digital insurance brokerage that operates a comparison and aggregation platform for Overseas Student Health Cover (OSHC), the mandatory health insurance product for international students on Australian student visas. The company is headquartered in Sydney (Suite 109, Level 1, 83 York Street) and serves international students holding Visa Sub-Class 500 by allowing them to compare, quote, and purchase OSHC policies from five major Australian insurers — nib, Allianz Care, Bupa, AHM, and Medibank — at no additional cost to the student. Its core technology is an insurance comparison platform with a self-serve policy comparison tool, a policy management system, and a dedicated partner portal (portal.youroshc.com.au) for agent-driven sales. The company is privately held and bootstrapped, founded by Shashi Singh, who brings more than 15 years of OSHC industry experience from his prior tenure as a salesperson at NIB.

The business operates a two-sided distribution model: a direct-to-consumer website where students can self-serve policy selection, and a B2B channel of approximately 2,000 education agents globally who enroll students through the partner portal and earn commissions. Your OSHC generates revenue exclusively through affiliate referral commissions paid by the five partner insurers; the service is free for students. The product suite includes the Policy Comparison Platform and interactive quote tool, the Partner Portal for agents, an OSHC Renewal Service with lapse-prevention reminders, and 24/7 multilingual support delivered across offices in Sydney, Noida (India), and Cagayan de Oro (Philippines). Distribution channels span organic social (Facebook, Instagram), WhatsApp, the website, and the B2B partner referral program.

Name

Your OSHC Pty Ltd

Legal name

Your OSHC Pty Ltd

Website

https://youroshc.com.au

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Your OSHC Pty Ltd is an Australian digital brokerage and comparison platform for Overseas Student Health Cover, serving international students on Sub-Class 500 visas and approximately 2,000 global education agents by aggregating policies from five major insurers (nib, Allianz Care, Bupa, AHM, Medibank) and earning affiliate referral commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Health Services (8000)

akta.pro industry

PRIMARYHLAEABAI

Student Health Insurance Plans (Individual Market)

Healthcare & Life Sciences/Health Insurance & Managed Care/Individual & Family (ACA/Exchange) Health Insurance

SECONDARYEDAIAMAA

International Student Health & Travel Insurance

Education/International Education & Study Abroad/Study Abroad Health, Safety, Insurance & Risk Management

SECONDARYEDAIAMAI

International Healthcare Access & Provider Network Navigation

Education/International Education & Study Abroad/Study Abroad Health, Safety, Insurance & Risk Management

Keywords

• Overseas student health cover
• Health insurance comparison
• OSHC brokerage
• Student visa insurance
• Insurance aggregator platform

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Provider Commissions: Your OSHC earns commission from OSHC insurance providers (nib, Allianz Care, Bupa, AHM, Medibank) when students purchase policies through their platform. The service is free for students - costs are covered through commission payments from insurance partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Your OSHC operates a digital comparison and brokerage platform that allows international students in Australia to compare, quote, and purchase Overseas Student Health Cover (OSHC) policies from five approved Australian insurers — nib, Allianz Care, Bupa, AHM, and Medibank. The service is provided at no additional cost to students, with revenue generated through referral commissions from the partner insurers, complemented by a partner portal that supports approximately 2,000 global education agents.

Product overview

Your OSHC is a digital OSHC brokerage and comparison platform that enables international students to compare, purchase, and manage Overseas Student Health Cover from five major Australian insurance providers: nib, Allianz Care, Bupa, AHM, and Medibank. The core product is the Policy Comparison Platform and Tool, which allows users to input their details and receive quotes from multiple providers at no additional cost. The platform also includes a Partner Portal for agents and education providers to manage sales and commissions, and an OSHC Renewal Service. The company acts as an intermediary, not an insurer itself, connecting students with partner insurance products that meet Australian student visa requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• OSHC Policy Comparison Platform Web-based comparison platform enabling international students in Australia to compare, quote, and purchase Overseas Student Health Cover (OSHC) from five approved Australian insurers (nib, Allianz Care, Bupa, AHM, Medibank) side-by-side, with the service offered at no additional cost to the student.
• Policy Comparison Tool Interactive quote-generation tool embedded in the comparison platform that takes inputs such as number of adults, dependants, policy start and end dates, and returns side-by-side OSHC policy quotes from the partnered providers so the student can pick the best fit.
• Partner Portal Authenticated partner portal used by education agents and institutional partners to enroll students into OSHC, manage policies on behalf of students, access commission terms, and obtain dedicated 24/7 support and direct escalation to the founder.
• OSHC Renewal Service Platform-supported OSHC renewal service that reminds existing students about policy expiry and processes renewals through the Your OSHC platform, preventing lapses that could breach Australian student visa conditions.

Quantifiable outcome

• Free service for students - no additional cost compared to purchasing directly

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• nibcoreChannel Partner/ Reseller/ Distributornib is one of Australia's fastest growing health funds established in 1952, supporting over 190,000 international students. Your OSHC offers nib's OSHC products through their comparison platform, providing students access to nib's network of nearly 460 private hospitals and 24/7 medical support.
• Allianz CarecoreChannel Partner/ Reseller/ DistributorAllianz Care is one of Australia's largest OSHC providers established in 1983, helping meet visa conditions for 482, 485, 600 and student visas. Your OSHC distributes Allianz Care OSHC policies offering features like 24/7 telehealth services, Find a Doctor tool, and Hospital in the Home treatment.
• BupacoreChannel Partner/ Reseller/ DistributorBupa is trusted by 18.5 million people globally and established in 1947. Your OSHC offers Bupa's OSHC products including 24-hour student health advice line in 180 languages, large hospital network, unlimited ambulance, and 100% MBS fees paid directly.
• AHMcoreChannel Partner/ Reseller/ DistributorAHM (backed by Medibank) serves over 950,000 Australians and was established in 1971. Your OSHC distributes AHM OSHC policies offering comprehensive cover for singles, couples, and families with multilingual customer service and 100% emergency hospital cover.
• MedibankcoreChannel Partner/ Reseller/ DistributorMedibank provides health insurance to over 3.9 million people in Australia, established in 1976. Your OSHC offers Medibank OSHC including access to 375+ bulk billing clinics, unlimited emergency ambulance, award-winning value insurance (Canstar 12 consecutive years), and Student Rewards Plus program.
• Education Agents (Global Network)coreChannel Partner/ Reseller/ DistributorNearly 2000 education agents worldwide partner with Your OSHC to offer OSHC products to their student clients. Partners benefit from competitive commissions, 24/7 specialized support, data protection for students, and direct access to founder Shashi Singh for issue resolution.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Others

• IDP Education: Global education services company that places international students into Australian institutions. Touches the same end customer (international students needing OSHC) and can distribute or substitute for OSHC comparison services as part of its placement offering.
• AECC Global: Global education agent and student placement network. Operates in the same international student acquisition funnel as Your OSHC's ~2,000-agent channel and can distribute OSHC products to its placed students, making it both a comparable channel and a potential partner.

Broad incumbents

• Finder Australia: Major Australian comparison platform covering insurance, banking, and utilities. Overlaps with Your OSHC in health insurance comparison and audience intent (students searching for OSHC coverage), though Finder serves a far broader user base.
• nib: One of Australia's largest health insurers and direct OSHC providers (~190,000 international students covered). Competes with Your OSHC via its own direct-to-student channel and proprietary app, while also being one of Your OSHC's distribution partners.
• iSelect: One of Australia's largest general insurance and financial product comparison platforms. Overlaps with Your OSHC in health insurance comparison and aggregator economics, though iSelect operates across a much broader product portfolio.
• Allianz Care Australia: One of Australia's largest OSHC providers (est. 1983) supporting students on 482, 485, 600, and 500 visas. Competes with Your OSHC via direct distribution and is also one of Your OSHC's core insurance partners.
• Bupa Australia: Major Australian health insurer trusted by 18.5 million customers globally and a direct OSHC provider. Competes with Your OSHC through its own OSHC sales channels and partner network, and is also one of Your OSHC's insurance partners.

Direct peers

• Study Insurance: Australian comparison platform targeting international students with OSHC and adjacent travel/health insurance products. Comparable to Your OSHC in customer segment, product focus, and lead-generation business model.
• Compare OSHC: Australian OSHC comparison platform serving the same international student (Visa Sub-Class 500) audience with side-by-side quotes from major Australian OSHC providers. Directly competes with Your OSHC on the same comparison/affiliate model.
• Insurance for Students (IFS): Australian specialist broker focused on health and travel insurance for international students and travelers. Operates in the same OSHC distribution niche as Your OSHC, with a comparable multi-provider comparison value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/youroshcau
• Instagraminstagram.com/your_oshc
• LinkedInlinkedin.com/company/youroshc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Your OSHC Pty Ltd