# nib vs ahm OSHC

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.

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 26, 2026 and August 15, 2026 respectively.

## The numbers

| Metric | nib | ahm OSHC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (112 ratings)](https://appshunter.io/ios/app/nib/id373883175/reviews)** | — |
| Number of ratings | **112** | — |
| Positive reviews | **53.7% of reviews** | 17.9% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 5 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 54 MB | 60 MB |
| Requires iOS | 18.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [nib health funds limited](https://appshunter.io/developer/373883178) | [Medibank Private Limited](https://appshunter.io/developer/444675138) |

## What reviewers say

### nib

[App page](https://appshunter.io/ios/app/nib/id373883175)

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.

**Highlights:** 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

**Features:** Siri integration, Apple Wallet

**In-app purchases:** none


### ahm OSHC

[App page](https://appshunter.io/ios/app/ahm-oshc/id1456559825)

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.

**Highlights:** Submit medical claims, Access mental health support, 24/7 nurse support line, Find nearby providers, Digital membership card

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is nib free?

nib is free to download, with no in-app purchases.

### Is ahm OSHC free?

ahm OSHC is free to download, with no in-app purchases.

### Do nib or ahm OSHC have ads?

nib shows ads; ahm OSHC does not.

### Which is updated more often, nib or ahm OSHC?

nib ships an update fortnightly, and ahm OSHC every 5 months. Most recently, nib was updated on September 26, 2026 and ahm OSHC on August 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*