Which insurance is best for an international student?

Which insurance is best for international student in Australia in 2025-2026 according to Canstar and Finder is nib OSHC cheapest $500 per year single with 4.5 stars, AHM $500 with 4.4 stars, Bupa $550 with 4.6 stars best overall, Allianz Care $600 with 4.5 stars and Medibank $650 with 4.3 stars, with Bupa best overall for comprehensive cover $1M hospital and fast claims, nib cheapest best value. Best insurance for international student is Overseas Student Health Cover OSHC $500 to $800 per year single $40 to $70 per month, required for student visa 500, with best overall Bupa OSHC $550 per year single with 4.6 stars from 1,000+ reviews, covering $1M hospital including emergency $500 to $3,000 per night, surgery $2K to $10K, GP $50 to $80 consultation with 100% MBS rebate $40, ambulance $500 to $1,000 and prescription $50 to $200 up to $1,000 per year, with 24/7 helpline and app claims 5 days. Nib OSHC cheapest best value $500 per year single with 4.5 stars, covering $1M hospital and $40 GP rebate, with $0 excess. AHM $500 per year 4.4 stars cheapest with Bupa network. Allianz Care $600 per year 4.5 stars with global network. Medibank $650 per year 4.3 stars. For example, single student 1 year Bupa $550 covers hospital $1M, GP $40 rebate and emergency $500 per night, with 5 days claims. So best insurance for international student is Bupa OSHC best overall $550 per year 4.6 stars $1M hospital and fast claims, nib cheapest best value $500 per year 4.5 stars $1M hospital, AHM $500 4.4 stars, Allianz $600 4.5 stars and Medibank $650 4.3 stars, all $500 to $800 single $40 to $70 per month, plus optional contents $200 to $400 per year for $20K to $30K belongings and travel $300 to $600 per year for trips, with OSHC mandatory for visa 500 duration 2 to 4 years $1,000 to $3,200 total.