比较澳大利亚领先保险公司的 OSHC、OVHC 和访客医疗保险。选择您的签证类型，查看价格、保障和当前优惠。
Compare OSHC, OVHC and visitor health cover from leading Australian insurers. Choose your visa type to review prices, cover and current offers.
开始比较Start comparing无需先了解 OSHC 或 OVHC。只需选择您的签证类别。
You do not need to know OSHC or OVHC first. Simply choose your visa category.
OSHC · 500
NIB · Bupa · Allianz
比较 OSHC →Compare OSHC →OVHC · 485 · 482 · 462
Allianz · Bupa · NIB · Medibank · AIA
比较 OVHC →Compare OVHC →600 · 870
Allianz · Bupa · Medibank
适用于 500 学生签证
For Subclass 500 student visas
单人起始价格
Starting single price
单人起始价格
Starting single price
单人起始价格
Starting single price
适用于 485、482、462 等临时签证
For 485, 482, 462 and other temporary visas
起始价格
Starting price
起始价格
Starting price
起始价格
Starting price
$500 医院超额额
$500 hospital excess
起始价格
Starting price
适用于 600、870 等访客签证
For 600, 870 and related visitor visas
固定价格；$500 医院超额额
Fixed pricing; $500 hospital excess
按年龄定价；16–54岁起
Age-based pricing; from age 16–54
按年龄定价；17–65岁起
Age-based pricing; from age 17–65
查看各保险公司的学生、工作或访客签证保险信息。
Explore student, worker and visitor visa cover by insurer.
持续更新澳大利亚学生、工作和访客签证医疗保险信息。
Ongoing guides about Australian student, worker and visitor visa health insurance.
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阅读指南 →Read guide →重点解答500学生签证 OSHC、485签证健康保险和600访客签证健康保险问题。
Focused answers about Student visa 500 OSHC, 485 visa health insurance and Visitor visa 600 health insurance.
通常需要。500学生签证申请人一般需要在规定期间维持符合要求的海外学生健康保险（OSHC）。保险日期应与您的签证和学习安排相符，并应正确包括需要受保的家庭成员。
Generally yes. Student visa applicants usually need compliant Overseas Student Health Cover (OSHC) for the required period. Check that policy dates and family members match your visa and study arrangements.
本网站重点比较 Allianz Care、Bupa 和 nib 的 OSHC。不同保险公司的价格、医疗网络、理赔方式、等待期和具体保障可能不同。
This website focuses on Allianz Care, Bupa and nib OSHC. Prices, provider networks, claiming arrangements, waiting periods and benefits can differ.
OSHC 价格取决于保险期限、单人或家庭保险、保险公司及其当前费率。本网站显示比较用的起始价格，最终保费以保险公司的正式在线报价为准。
OSHC pricing depends on policy duration, family composition, insurer and current rates. Prices shown here are starting comparisons; rely on the insurer's final quote.
不要只比较价格。还应查看 GP 和专科医生保障、住院治疗、紧急救护车、处方药、等待期、直接结算网络及理赔服务。
Do not compare price alone. Review GP and specialist benefits, hospital treatment, emergency ambulance, medicines, waiting periods, direct-billing networks and claiming services.
可以。OSHC 可根据情况提供单人、夫妻、单亲家庭或家庭保险。家庭保险价格可能与多份单人保险有明显差异，应取得正式报价。
Yes. OSHC can be available for singles, couples, single-parent families and families. Family pricing can differ significantly from multiple single policies, so obtain a formal quote.
通常可以，但应避免新旧保险之间出现不必要的保障空档，并在更换前确认等待期、退款和保险期限如何处理。
Usually yes, but avoid unnecessary gaps in cover and confirm how waiting periods, refunds and policy dates will be treated.
部分服务可能受等待期、限制和保单定义约束，包括已有疾病以及怀孕和生育相关治疗。购买前应阅读保险公司的最新产品和保单文件。
Some services can be subject to waiting periods, limits and policy definitions, including treatment related to pre-existing conditions, pregnancy and maternity. Read the insurer's current policy documents.
485临时毕业生签证申请人和持有人应确认适用于自己当前签证及485签证的医疗保险要求，并在需要时维持适当的健康保险。
Subclass 485 applicants and holders should check the health insurance requirements applying to their current visa and 485 visa and maintain suitable cover where required.
OVHC（Overseas Visitors Health Cover）是485签证持有人常见的选择。购买前应确认具体产品适用于您的签证情况及任何相关签证条件。
OVHC is commonly used by 485 visa holders. Confirm that the specific product suits your visa circumstances and any relevant visa conditions.
转换时间应结合您的 OSHC 结束日期、当前签证状态、485申请安排及新保险的开始日期。重点是避免不必要的保险空档，并确保您在需要的期间维持适当保险。
Coordinate the change with your OSHC end date, current visa status, 485 application and new policy start date. Avoid unnecessary gaps and maintain suitable cover for the required period.
如果您的签证附有8501条件，您需要维持适当的健康保险。不要仅根据产品名称判断，应确认所选保险产品适合您的具体签证要求。
If condition 8501 applies to your visa, you need to maintain adequate health insurance. Do not rely on the product name alone; confirm suitability for your visa requirements.
本网站重点比较 Allianz Care、Bupa、nib、Medibank 和 AIA 的相关 OVHC 产品。具体产品、价格、保障和资格条件可能随时间变化。
This website focuses on relevant OVHC products from Allianz Care, Bupa, nib, Medibank and AIA. Products, prices, benefits and eligibility can change.
价格可能受年龄、保障级别、超额额、付款频率、家庭成员及保险公司当前费率影响。本网站的价格用于比较，最终价格以保险公司的正式报价为准。
Pricing can vary by age, cover level, excess, payment frequency, family composition and current insurer rates. Use our prices for comparison and the insurer's quote for the final premium.
不一定。较低保费可能对应更基础的住院保障、不同的超额额或较少的门诊服务。应同时比较 GP、专科医生、检查、处方药、救护车及住院保障。
Not necessarily. Lower premiums may come with more basic hospital cover, a different excess or fewer outpatient benefits. Compare GP, specialist, diagnostics, medicines, ambulance and hospital benefits.
通常可以，但更换前应确认新旧保险的生效和结束日期、等待期、退款安排及您的签证保险要求，避免保障中断。
Usually, but check policy start/end dates, waiting periods, refunds and visa insurance requirements before switching to avoid a gap in cover.
是否必须购买取决于您的签证条件和个人情况。即使没有强制保险条件，访客也可考虑健康保险，因为海外访客在澳大利亚可能需要自行承担医疗费用。
Whether it is mandatory depends on your visa conditions and circumstances. Even without a mandatory condition, visitors may consider cover because they can be responsible for medical costs in Australia.
如果您的600签证附有8501条件，您需要在澳大利亚期间维持适当的健康保险。购买前应确认具体访客保险产品是否适合满足您的签证要求。
If condition 8501 applies, you need to maintain adequate health insurance while in Australia. Confirm that the specific visitor policy is suitable for your visa requirements.
可以。父母和其他符合条件的600签证访客可以考虑海外访客健康保险。选择时应特别查看年龄限制、已有疾病、住院、救护车和门诊保障。
Yes. Parents and other eligible Visitor visa holders can consider overseas visitor cover. Pay particular attention to age limits, pre-existing conditions, hospital, ambulance and outpatient benefits.
许多访客保险产品提供符合保单条款的住院和紧急救护车保障，但不同产品的保障范围、限额、超额额和等待期可能不同。
Many visitor policies provide eligible hospital and emergency ambulance benefits, but cover, limits, excesses and waiting periods differ by product.
取决于产品。较全面的访客保险可能包括符合条件的 GP、专科医生、放射和病理检查，而较基础的产品可能主要提供住院保障。
It depends on the product. Broader visitor cover may include eligible GP, specialist, radiology and pathology services, while basic products may focus mainly on hospital cover.
已有疾病的定义、等待期、限制和除外责任因保险公司和产品而异。特别是年长父母或已有健康问题的访客，应在购买前仔细阅读保单文件。
Definitions, waiting periods, limits and exclusions for pre-existing conditions vary. Older visitors or people with existing health issues should carefully review the policy documents before purchase.
应比较价格以及住院、救护车、GP、专科医生、医疗检查、已有疾病、等待期和超额额。不要假设价格相近的产品具有相同保障。
Compare price together with hospital, ambulance, GP, specialist, diagnostics, pre-existing condition rules, waiting periods and excess. Similar prices do not necessarily mean similar benefits.