IMAN is all about health insurance for visitors to Australia. No matter which option you choose, it will meet your visa requirements, so you don’t need to worry about this when comparing policies. Instead you should look at what is covered and how it’s covered.
Budget Visitor Cover
Get a cheap health insurance policy that meets your visa requirements, and don’t pay extra for benefits you don’t want. The all-important hospital and ambulance cover are included and nothing else.
- Starting from $16.90 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
Learn more about this policy
Value Plus Visitor Cover
Get more benefits with an inexpensive policy that covers hospital essentials as well as offering more out-of-hospital care.
- Starting from $25.30 per week
- Pays 100% of hospital costs, to a limit, at nib/IMAN agreement hospitals
- Pays minimum default benefits at non-agreement private hospitals and public hospitals, which may result in out-of-pocket expenses
- MBS applies. This policy will only pay the Medicare Benefits Schedule (MBS) minimum for doctor’s visits. If your doctor visit costs more than this there may be out-of-pocket expenses
- Prescription medicine extra available, for 100% cost-back on up to $500 of prescription medicine per year
Learn more about this policy
Basic Visitor Cover
Enjoy a high level of hospital cover and doctor access with IMAN basic visitor cover. This covers more costs at more hospitals for security in day-to-day health.
- Starting from $29.90 per week
- Pays 100% of the cost of overnight and same-day hospital stays, ward fees, intensive care and operating theatre costs
- MBS applies. This policy will only pay the MBS minimum for visits to the GP
- Prescription medicine extra available. Get 100% of the cost back on pharmaceutical benefits scheme (PBS) listed prescriptions, up to $500 a year
Learn more about this policy
Mid Visitor Cover
Take advantage of high-level hospital cover and good extras to stay active while in Australia without losing your peace of mind.
- Starting from $66.90 per week
- Pays 100% of the cost of overnight and same-day hospital stays, ward fees, operating theatre and intensive care costs
- Comes with extras including 100% money back on up to $1,000 of prescription pharmaceuticals and artificial aids per person each year, and $1,000 of physiotherapy, chiropractic and osteopathy sessions per year
Learn more about this policy
Top Visitor Cover
Get a comprehensive health insurance policy for hospital cover and a wide range of extras to suit your needs with Top Visitor Cover, IMAN’s highest level of cover available.
- Starting from $79.04 per week
- Pays 100% of the cost of overnight and same-day hospital stays, ward fees, intensive care and operating theatre costs
- Extras include artificial aids, prescription pharmaceuticals, physiotherapy, chiropractics, osteopathy, optical, dental, dietetics, home nursing, occupational therapy, podiatry, natural therapies, laser eye surgery, hearing aids, crutches, wheelchairs and more
Learn more about this policy
IMAN is specially designed for visitors to Australia, but like any other health insurance it has exclusions, limits and waiting periods to be aware of.
IMAN exclusions
These health insurance policies will not pay for:
- Anything that happened while your policy was suspended or in arrears, such as if you were behind on premium payments
- Services or treatments undertaken outside of Australia
- Outpatient (at home or outside of hospital) medical services when you are also entitled to Medicare benefits
- Treatments or services where your medical practitioner did not give their provider number
- Claims that contain any fraudulent, false or misleading information
- Services rendered in nursing homes
- Where you can claim money for the same thing from elsewhere, such as from a legal liability settlement, CTP car insurance, other health insurance policies or workers’ compensation
- Luxury room charges like TV and beauty treatments
- Outpatient respite care
- Take-home items like medication, crutches or other health aids, unless explicitly covered, such as by Top Visitor Cover extras
- Autologous blood collection and storage, and egg storage
- Expenses incurred within waiting periods
- Medication purchased without a prescription that is not on the PBS, and medicine purchased in bulk that lasts beyond the length of your insurance policy
- Expenses related to medical exams, x-rays, inoculation and other procedures required to obtain, renew or extend your visa, obtain permanent residency or travel outside of Australia
- Any expense that exceeds the annual limits of your policy
- Treatments referred by or provided by your spouse or a family member
- Multiple treatments from the same provider on the same day
- In-hospital services or items not covered by Medicare, such as high-cost or experimental drugs, or certain items associated with robotic surgery
IMAN limits
Your policy will have annual limits which will run down over the course of the year as you make claims. These get topped up again every policy anniversary. Note that these limits only apply to IMAN visitor health cover plans, and are not typical of most health insurance policies.
- $1 million is your total annual limit for all IMAN plans. All 457 visa approved health insurance policies must offer at least this amount. This is the total amount of cover you have available each year.
- Your annual limit for pharmaceuticals is equivalent to that offered by the PBS. This is generally adequate for general purposes. If you have special medication needs, or want extra security, then you can purchase a pharmaceutical prescriptions extra with all policies except Budget Visitor Cover. This extra adds an additional $500-$1,000 to your pharmaceutical limit per year.
- Other extras like chiro, physio, naturopathy and health aids will have their own annual limits, if purchased. These usually have a $1,000 per year limit, or $2,000 for couples or family policies.
IMAN waiting periods
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.
- Ambulance cover: 0 days, no waiting period
- Inpatient (at hospital) psychiatric treatment: 2 months
- Inpatient palliative care treatment: 2 months
- Inpatient treatment for pre-existing conditions: 12 months
- Rehabilitation: 2 months
Optional extras also come with their own waiting periods.
- The waiting period for outpatient PBS pharmaceuticals, wheelchairs, crutches, general extras like acupuncture, chiro, physio, optical and other ancillary services like general dental work is 2 months.
- The waiting period for major dental and orthodontics is 6 months.
- The waiting period for pregnancy and birth-related services, funeral benefits and laser eye surgery is 12 months.
- Hearing aids and speech processors carry a 36-month waiting period.
IMAN is only for visitors to Australia and temporary residents, and offers a lot of great benefits here.
Even with claims, IMAN tries to make things easier for you.
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 this page 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 us out again.
Have a wonderful day!
Cheers,
Joshua