For international students
Quote entry for student visa dates, dependants and Certificate of Insurance needs.
Direct OSHC & OVHC for self-purchase buyers
Compare OSHC &OVHC cover withoutthe back-and-forth
Start with a quote, compare trusted Australian providers, then apply and pay when you are ready. No email gate before quote intent.
Transparent comparisonSecure card checkoutCOI trackingSupport after purchase
Student readyOSHC for study plans
Visitor friendlyOVHC for temporary stays
Track your COIKnow what happens next
Trusted provider partners
Compare & Buy OSHC
Get a student-cover quote first, then compare provider pricing, documents and benefits before applying.
Continue to OSHC quotePopular for students Family option
Student Starter Cover
from $54- Visa-ready COI support
- Provider comparison
- Extend request available
Student Family Cover
from $142- Dependants supported
- Secure online checkout
- COI tracking
Compare & Buy OVHC
Compare visitor and worker cover by visa need, GP option, hospital excess and price before applying.
For visitors & temporary stays
Choose cover by visa group, start date, hospital excess and temporary stay needs.
Continue to OVHC quoteGood for visitors Working visa
Visitor Essential Cover
from $188- Hospital options
- SIM-card deal eligible
- Change date support
Worker Health Cover
from $201- Visa condition support
- Provider payment link
- Refund help available
Trusted by direct buyers
Short, practical feedback from the kind of self-purchase customers InsureDirect is built for.
The quote flow made it clear which OSHC options matched my study dates. I could compare first and apply when I was ready.
I needed OVHC for a visitor visa and wanted to understand excess and GP options quickly. The comparison was easy to scan.
Tracking helped me see payment and COI progress without searching through emails. The support request form was straightforward.
Special deals
Offers for students, visitors and new arrivals who want extra support after choosing cover.
OSHC student welcome voucher
A welcome voucher for students buying OSHC before arrival.
View detailsOVHC SIM-card starter bonus
An arrival bonus for visitors and temporary visa holders.
View detailsFree family cover check
A guided review for customers adding a partner or children to cover.
View detailsNew arrival health support pack
A post-purchase pack with GP, pharmacy and claim checklist links.
View detailsWe are here to help you
Manage common after-purchase requests without searching through emails or calling support first.
Extend
Extend OSHC or OVHC before your policy ends.
Open requestUpgrade
Review higher cover, family cover or extra support options.
Open requestChange details
Correct passport, email, name, date or policy information.
Open requestRefund help
Submit a refund or cancellation request for review.
Open requestTrack COI
Check payment, provider processing and certificate status.
Open trackingSmart utility hub
Smart tools for life in Australia
Quick actions for nearby healthcare, claim preparation, COI tracking and first-week support after buying OSHC or OVHC.
Live signal
Nearby care
Find a GP near me
Open nearby clinics and check direct-billing options before you book.
Open map β
Optical
Book an eye test
Find optometrists around your suburb and review appointment options.
Find optical β
Medicine
Find a pharmacy
Locate pharmacies for prescriptions, medicine advice and claim receipts.
Open map β
Urgent care
Find a hospital
Open nearby hospitals when urgent medical care or referral support is needed.
Open map β
Dental
Find a dentist
Find dental clinics and ask about treatment cost before booking.
Find dentist β
Pathology
Find pathology
Locate collection centres for blood tests and other referrals.
Open map β
Claims
Claim checklist
Show the documents customers should prepare before starting a claim.
Open tool β
COI
COI readiness
Explain what customers need before checking certificate progress.
Open tool β
Track your application
Open tracking to view payment, application and COI progress.
Track your policy
Check statusSample status timeline
Application receivedCustomer details submitted successfully
Payment confirmedSecure payment recorded
Processing with providerCOI is being generated or checked
4
COI issuedCustomer can download and receive by email
Why choose us?
Compare clearly, buy faster, track every step and keep support available after purchase.
Trusted provider comparison
Compare OSHC and OVHC options from trusted providers in one place.
Fast quote & quick buy
Start with a short quote form, review matching plans and continue to checkout.
Receive COI quickly
Follow a clearer path from payment to Certificate of Insurance.
Track every step
Check application received, payment confirmed, provider processing and COI issued.
Support after purchase
Extend, upgrade, amend details or request refund help when plans change.
Helpful tools
Use maps, claim checklists and arrival tools when you need practical next steps.
Blog & news
Guide content for students, visitors and customers managing policy changes after purchase.
Student
OSHC guide
What students should prepare before buying OSHC
A simple guide to dates, dependants and COI requirements.
View detailsVisitor
OVHC guide
How to compare OVHC beyond price
Hospital excess, GP options and waiting periods all matter.
View detailsTracking
After purchase
Understanding payment and COI status
Help customers know what happens after the payment step.
View detailsQ&A for students and visitors
Search common OSHC, OVHC, payment and support questions before continuing to the full FAQ page.
OSHC is for international students
Use OSHC when you are studying in Australia on a student visa and need cover for visa, school and COI requirements.
OVHC is for visitors and temporary visa holders
Use OVHC when you are visiting, working, staying temporarily or need cover for visa condition 8501.
OSHCDo I need OSHC before applying for a student visa?+
Many student visa applicants need OSHC for the required visa period. Start and end dates should match your visa or travel requirement.
OSHCCan I add my partner or children to OSHC?+
Yes. Compare Single, Couple or Family cover depending on who needs to be included on the policy.
OVHCWho should buy OVHC?+
OVHC is for visitors, workers and temporary visa holders who need health cover while staying in Australia.
OVHCWhat should visitors compare before buying OVHC?+
Compare hospital benefits, GP options, ambulance cover, waiting periods, excess level and provider rules.
SupportWhere can I track payment and COI status?+
Use Tracking to check invoice, payment, provider processing and COI issued status.
PaymentIs online payment secure?+
Payment should be handled through secure payment or provider payment flows, with clear status tracking after purchase.
About InsureDirect
A direct-to-customer OSHC and OVHC experience for students, visitors and temporary visa holders.
Privacy & data
Customer details, quote information, policy documents and support requests should be handled securely.
Terms & provider info
Customers should review provider policy wording, refund conditions and payment terms before purchase.