nib vs ahm OSHC
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
nib
Manage your health insurance, travel insurance, and free membership benefits. Access health and wellbeing support, discounts, and rewards. Make claims, check cover, and find healthcare providers.
- Manage health and travel insurance
- Make and track claims
- Check insurance cover and balances
- Access nib Rewards and discounts
- Book telehealth and get medical certificates
- Online health and skin checks
- Symptom checker
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Download the nib App to manage your cover or if you’re new to nib, sign up for a free nib membership. Unlock everyday health and wellbeing support, discounts and more. For members with health insurance, you can: • Make a claim and check its status • Check your Extras to see how much you’ve got left to claim • Search our healthcare networks to get the best value from your cover • Manage your cover and update personal details • Make authenticated voice calls to customer support Plus, those with a health insurance policy or a free nib membership can: • Access nib Rewards and save with offers from major brands • Book telehealth or get a medical certificate • Get treatments delivered to your door • Try our online skin check for personalised insights
ahm OSHC
Manage your health cover conveniently from your smartphone. Submit claims, access mental health support, and connect with a registered nurse 24/7. Find nearby providers and access your digital membership card.
- Submit medical claims
- Access mental health support
- 24/7 nurse support line
- Find nearby providers
- Digital membership card
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The ahm OSHC app brings the convenience of managing your health cover to your smartphone, as well as: - Make claims on most medical services anytime, anywhere - Access mental health support and counselling services like 1800Respect and Beyond Blue - Speak to a registered nurse via the 24/7 Student Health and Support Line - Save time with directions to your nearest direct billing doctor, provider or hospital - Use the GPS tracker to show nearby providers who we have an arrangement with - Access your digital membership card
Screenshots
Verdict
The clearest difference is review sentiment: nib at 54% against ahm OSHC's 18%. nib also leads on update cadence (fortnightly vs every 5 months). ahm OSHC's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
nib ships an update fortnightly, ahm OSHC every 5 months. The most recent releases landed on September 22, 2026 and August 15, 2026 respectively.
| Parameter | nib | ahm OSHC |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (112 ratings) — better | — |
| Positive reviews | 53.7% of reviews — better | 17.9% of reviews |
| Number of ratings | 112 — better | — |
| Update frequency | Fortnightly — better | Every 5 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 54 MB | 60 MB |
| Age rating | 17+ | 4+ |
| Developer | nib health funds limited | Medibank Private Limited |
Customer experience
nib
ahm OSHC
In-app purchases
nib
No in-app purchases
ahm OSHC
No in-app purchases
