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Pros
At $57.60 a month, it's around $15 a month cheaper than equivalent policies with Medibank and Allianz.
Its 2 policies, Budget and Basic, are good if you want fairly low-level and affordable cover, but there are other funds offering more comprehensive plans.
Cons
There is no extras cover with a Budget policy, so if you want it, you'll need to upgrade to Basic.
It's not available to everyone – only Australian visa holders.
IMAN health insurance: Our verdict
IMAN is a health insurance provider specialising in cover for Australian visitors. It is underwritten by nib, Australia's fourth largest health insurer by market share, so you'll get access to the same expansive private hospital network.
IMAN is good if:
You're an Australian visa holder
You need healthcare as part of your visa requirements
This is a budget option that lets you meet your visa requirements and avoid paying extra for benefits you don't want. Hospital and ambulance cover are included and nothing else.
Starts from around $15 per week
Pays 100% of the cost of overnight and same-day hospital stays, ward fees, operating theatre and intensive care costs
No extras available
Basic Visitor Cover
This covers more hospital costs, starts from around $23 per week and pays 100% of the cost of overnight and same-day hospital stays, ward fees, intensive care and operating theatre costs. It also pays benefits towards prescription medicine. Cover includes:
Rehabilitation
Eye treatments
Gastroscopies
Tonsils removal
IMAN health insurance complaints
We looked at the 2021 Ombudsman health insurance complaints. IMAN is issued by nib. Here's how the health insurer stacked up against its competitors:
It received a smaller percentage of complaints than its market share.
It had proportionally more complaints than 11 other health funds, including Bupa, HBF and Medibank.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. nib is 12th overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.
IMAN frequently asked questions
IMAN only offers health insurance to people visiting or studying in Australia on a visa.
IMAN health insurance is underwritten by nib, one of Australia's largest health insurance providers.
IMAN Health Fund provides value for money wherever possible for its members. The range of additional benefits includes:
No excess for dependants
An Active Health Bonus for extras on some products
Access Gap Scheme
Health management programs with some products
A travel benefit for regional members to access healthcare on selected covers
Discounts at OPSM, OPSM Direct, Laubman & Pank and Specsavers
The Health Hub offering members dental, optical and allied health services
A $100 Prezzee gift card if you refer a friend or family member who joins IMAN
Here's how you make a claim with IMAN:
Claiming general medical expenses:
Download the IMAN claims form and mail it in along with your original invoices and receipts.
Claiming hospital stays:
If you go to hospital, IMAN can arrange payment with them directly. Simply ask the hospital receptionist or admissions officer to call IMAN on 1300 853 530 and provide details of the account.
Paying providers and GPs:
Most doctors, specialists and chemists will require payment at the time of consultation or when dispensing medications. If your policy covers this, then you can pay them upfront and send in a claims form later for IMAN to reimburse you.
To be eligible for IMAN visitor cover health insurance, you must:
Be in reasonable health at the time of application and have no dangerous pre-existing medical conditions
Hold a temporary resident visa subclass to visit Australia
Be age 16 or older, unless specially approved
Waiting periods generally apply to all health insurance policies. After taking out a policy, this is how long you must wait before you can claim certain hospital benefits:
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary holds a Tier 1 General Insurance (General Advice) certification and is passionate about helping Aussies understand their policies so that they can get better value for their money.
Travel insurance can protect policyholders in multiple different ways, including trip cancellations and cover for expensive medical costs if you get sick or hurt on your trip.
On that page, you will see an online form which you can fill out to get a quote.
As a non-resident senior, you can still find a policy that fits your needs. Of course, it will ultimately depend on the insurer and your circumstances. Seniors can find it harder to get life insurance regardless of residency, and it may be particularly difficult for non-resident seniors. It will generally be easier to find funeral insurance than a full life insurance policy.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
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Please advise on cover for a 410 Visa Holder living in Australia
Hi Stephen,
Thanks for getting in touch with Finder.
As a 410 visa holder living in Australia, you may want to explore our non-Australian residents life insurance to find the right health insurance for you.
On that page, you will see an online form which you can fill out to get a quote.
As a non-resident senior, you can still find a policy that fits your needs. Of course, it will ultimately depend on the insurer and your circumstances. Seniors can find it harder to get life insurance regardless of residency, and it may be particularly difficult for non-resident seniors. It will generally be easier to find funeral insurance than a full life insurance policy.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua