NIB OSHC
Last updated: October 27, 2026
NIB is an Australian OSHC provider. Single product on Edvisor that meets DHA student visa requirements, available worldwide for Australia-bound students. Consolidated reference covering availability, coverage details, and waiting periods.
NIB is an Australian Overseas Student Health Cover (OSHC) provider. Part of NIB Group, which insures 1.6 million Australian and New Zealand residents and 190,000+ international students and workers in Australia.
Available on Edvisor
Recruitment markets: Worldwide.
Destination market: Australia only.
Product: Single OSHC policy meeting Australian Department of Home Affairs (DHA) student visa requirements.
Why NIB
Meets the Australian visa requirement for international student health cover. Direct integration into Edvisor for booking and policy management.
Coverage
Hospital cover
Service | NIB pays |
|---|---|
Public hospital | 100% of state/territory health authority rate |
Specialist services | 85% of Medicare Benefits Schedule (MBS) fee |
Medical services in hospital | 100% of MBS fee |
Surgically implanted prostheses | 100% of approved prostheses on Federal Government list |
Outpatient services
Service | NIB pays |
|---|---|
Doctor visits, specialists, pathology, diagnostic imaging | 100% of MBS fee in-hospital |
MRI scans | Only if all 3 conditions met: referred by registered specialist, on MBS, performed on Medicare-eligible MRI unit |
Prescription medicine
$50 per prescription item on Pharmaceutical Benefits Scheme (PBS), after PBS patient contribution.
Annual limits: $300 single, $600 couple/family.
Only covers items on the PBS list.
Emergency ambulance
100% of medically necessary state/territory ambulance transport.
Waiting periods
Waiting periods apply to new NIB OSHC members before specific benefits become available.
Service | Waiting period |
|---|---|
Pregnancy and birth-related services | 12 months |
Pre-existing conditions | 12 months |
Psychiatric services | 2 months |
No benefits paid during the waiting period for the relevant service. After the waiting period, full coverage applies per the policy.
How to access
If not yet connected, contact the Edvisor account manager to enable NIB on the account.