{
  "name": "OSHC sample comparison for international students in Australia",
  "sourceContext": {
    "coverType": "Single",
    "startDate": "01-Aug-2026",
    "endDate": "31-Aug-2026",
    "duration": "1 month",
    "reviewedDate": "2026-07-29",
    "note": "Sample rates and features extracted from a saved OSHC comparison export. Users should click Compare to check current prices for their own dates and cover type."
  },
  "providers": [
    {
      "name": "Allianz Care",
      "monthlyRateAud": 54,
      "monthlyRateLabel": "A$54.00",
      "quickRead": "Cheapest in this sample quote, with home doctor, on-campus support, virtual doctor, and a safety app.",
      "visaApprovedInsurer": true,
      "publicHospital": "Covered",
      "ambulance": true,
      "homeDoctorServices": true,
      "onCampusSupport": true,
      "virtualDoctorServices": "Doctor on Demand",
      "safetyAndSecurityApp": true,
      "memberDiscounts": false,
      "multilingualOshcService": false,
      "prescriptionMedicines": "A$50/item; A$300 single yearly limit; A$40.30 co-payment",
      "psychiatricWaitingPeriod": "2 months",
      "refundPolicy": "Free via online account or app"
    },
    {
      "name": "AHM",
      "monthlyRateAud": 56,
      "monthlyRateLabel": "A$56.00",
      "quickRead": "Balanced mid-price option with multilingual OSHC service, member discounts, and virtual doctor access.",
      "visaApprovedInsurer": true,
      "publicHospital": "Covered",
      "ambulance": true,
      "homeDoctorServices": true,
      "onCampusSupport": false,
      "virtualDoctorServices": "No out-of-pocket costs for members 16 years and above",
      "safetyAndSecurityApp": false,
      "memberDiscounts": true,
      "multilingualOshcService": true,
      "prescriptionMedicines": "A$50/item; A$500 single yearly limit; A$25 co-payment",
      "psychiatricWaitingPeriod": "2 months",
      "refundPolicy": "Limited admin fee may apply; request by phone"
    },
    {
      "name": "NIB",
      "monthlyRateAud": 56.25,
      "monthlyRateLabel": "A$56.25",
      "quickRead": "Close to AHM on price, but fewer support extras in this sample quote.",
      "visaApprovedInsurer": true,
      "publicHospital": "Covered",
      "ambulance": true,
      "homeDoctorServices": false,
      "onCampusSupport": true,
      "virtualDoctorServices": "No",
      "safetyAndSecurityApp": false,
      "memberDiscounts": false,
      "multilingualOshcService": false,
      "prescriptionMedicines": "A$50/item; A$300 single yearly limit; A$40.30 co-payment",
      "psychiatricWaitingPeriod": "2 months",
      "refundPolicy": "Free via online account or app"
    },
    {
      "name": "Medibank",
      "monthlyRateAud": 59.95,
      "monthlyRateLabel": "A$59.95",
      "quickRead": "Highest sample rate, but strongest psychiatric waiting period and higher prescription item benefit.",
      "visaApprovedInsurer": true,
      "publicHospital": "Covered",
      "ambulance": true,
      "homeDoctorServices": true,
      "onCampusSupport": true,
      "virtualDoctorServices": "No out-of-pocket costs for members 16 years and above",
      "safetyAndSecurityApp": false,
      "memberDiscounts": true,
      "multilingualOshcService": true,
      "prescriptionMedicines": "A$70/item; A$500 single yearly limit; A$30 co-payment",
      "psychiatricWaitingPeriod": "0 months",
      "refundPolicy": "Limited admin fee may apply; request by phone"
    }
  ],
  "bestQuickRead": "All plans in this sample are visa-approved and include public hospital and ambulance cover. Allianz Care is the lowest sample monthly rate and has strong practical support. Medibank costs more, but stands out for a 0-month psychiatric waiting period and higher prescription medicine benefit. AHM is a balanced middle option with multilingual service and member discounts. NIB is close in price but has fewer support extras in this sample quote.",
  "callToAction": {
    "label": "Compare current OSHC prices",
    "url": "https://www.oshcchecker.com.au/compare/"
  }
}