Independent guide

Affiliate & Independence Disclosure

This page explains our relationship with insurers and how commercial links are presented.

OSHC OVHC Australia is independently operated and is not the official nib website.

Some links on this website may be affiliate links. If a visitor purchases an eligible insurance product through an affiliate link, the website operator may receive commission. This does not increase the importance of checking the insurer's current product documents, exclusions, waiting periods, limits and visa suitability.

Trade marks and product names belong to their respective owners.

Independent information websiteReviewed against current NIB and Australian Government information • Updated August 2026
How this website works →