Where it began YourOSHC offered its very first Overseas Trainee Health Cover policy on 21 November 2023. One policy. I keep in mind that day clearly, not due to the fact that it was attractive, but because it seemed like a leap of faith. A belief that there was a better, more transparent way to connect global trainees and visitors with the best health cover, developed on technology instead of guesswork.
Since that first policy, we’ve grown to processing over $100 million in total revenue. I share that number not to boast, but due to the fact that it narrates about what’s possible when a platform is constructed around trust and authentic service to individuals who use it.
None of this growth comes from me alone. It comes from our education and migration agent partners, who relied on a young platform without any track record to speak of. And it comes from our entire YourOSHC group, a lot of whom have been with us because the early, uncertain days. To each of you, thank you, truly.
A platform constructed on no conflict
From the first day, we made a decision that has actually formed everything since: we would never ever jeopardize on how our partners’ customer data is utilized.
We operate under a strict no-conflict policy, so our partners can be confident their clients’ information is never repurposed or misused in any way that could weaken the relationship in between a representative and their student. This isn’t a marketing line, it’s an operating principle we have actually held because the start and intend to keep holding.
An innovation platform being in the middle of this industry has a commitment to be invisible in the proper ways: present enough to include real value, disciplined enough to never ever become a point of threat for the partners who put their trust in us.
Why technology matters to this industry’s future
Australian international education export, and the health cover behind it, is a truly global service. Students arrive in Australia from every corner of the world, often making one of the greatest decisions of their young lives.Technology platforms like ours exist to make that choice simpler and more transparent, comparing items fairly, processing applications immediately, and providing representatives the tools to serve their customers well around the world. The right innovation helps education
representatives and students tool to compare and purchase Australian OSHC items in genuine time, this is among the essential motorists for Australian insurance companies to extend their global footprint without developing that infrastructure themselves.If done properly and in the ideal partnership settings, that benefits everyone: students get clarity, representatives get effective tools, and insurance companies get a larger, better-informed customer base. The new OSHC commission cap: an obstacle, or a reset? From 1 July 2026, the Department’s brand-new OSHC Deed caps third party
pent payments, commissions, at 12 %throughout all approved OSHC insurers. For agents who’ve constructed part of their business around commission rates above that, this will naturally feel like lost revenue, a minimum of at first. For some partners, this is definitely a genuine adjustment. However I believe that, gradually,
this reform resets the market in a way that advantages everyone operating in excellent faith. A universal cap gets rid of the temptation to compete on commission size rather than on the quality of service agents actually provide students. It produces a level playing field throughout the board, and an equal opportunity tends to build a more transparent market. It’s likewise worth noting the Deed doesn’t simply impose a number. Provision 16 sets out the principles the Department will utilize to evaluate whether any payment counts as a commission at all, why a representative was selected, how the payment is calculated, and how carefully it’s tied to the rate of the policy. That’s a real effort to bring consistency to a part of the sector that has actually lacked it for a long period of time. There’s a human side to this reform too, worth highlighting. OSHC exists to make sure cost never ever ends up being a barrier to studying in Australia, and that trainees
have genuine access to care when they require it. A capped commission structure belongs to a more comprehensive push to put more of every premium dollar toward the real claims experience, and the Deed backs that up with a concrete change.Under the brand-new Set up
4, pregnancy-related treatment will carry no waiting duration at all on OSHC policies of two years or more, below twelve months formerly. The details provided here shows my own reading and analysis of the Deed. I ‘d highly motivate you to refer straight to the Deed for the Provision of Overseas Trainee Health Cover for first hand source of information. A word on our insurance partners I’ve dealt with nib OSHC as one of their team members, and now as partner, altogether for about thirteen years now, and in that time I have actually never ever once doubted their customer-first approach. I have actually seen the very same from Bupa, Allianz Care, ahm and Medibank.
All 5 suppliers run under the
same Deed, the very same responsibilities to divulge charges and exclusions truthfully, and the same duty to deal with trainees relatively. Having actually sat across the table from these groups for many years, I really struggle to think what more we might fairly ask of them. Looking ahead YourOSHC is just the beginning. We have brand-new items coming soon that we believe will continue to raise the bar for what agents and trainees ought to anticipate from a technology led insurance aggregator platform. I won’t get ahead of myself with information, however the same principles that took us from one policy to$ 100 million, transparency, partner trust, and an undeviating no-conflict method to data, will keep directing what we build next. To every partner who has trusted the YourOSHC portal, our service, and our technology, thank you! It’s due to the fact that of that trust, built patiently over more than 2 years, that we have actually turned into the business we are today. We do not take it lightly, and as our industry adjusts to this new regulative landscape together, we intend to keep working even more closely
with you all, making it, one policy at a time. About the author < img width ="768"height ="1024"src =" https://thepienews.b-cdn.net/wp-content/uploads/2026/06/IMG_9310-2-768x1024.jpg"alt =""/ > Shashi Singh is the Founder and CEO of YourOSHC. Before introducing the platform, he invested over 10 years working
carefully with nib OSHC and partners throughout the worldwide education and migration sector, constructing the relationships and ground insight that continue to form how YourOSHC runs today.