Who can get health insurance with IMAN?

IMAN only offers health insurance to people in Australia on a working visa, such as the 482 or 485. If you're here on a student visa you need overseas student health cover (OSHC), which IMAN doesn't sell.

Who underwrites IMAN health insurance?

IMAN health insurance is underwritten by nib, one of Australia's largest health insurance providers.

What member offers can I get with IMAN health insurance?

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

How do I make a claim with IMAN health insurance?

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.

Am I eligible for a policy with IMAN health insurance?

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

What waiting periods will I have with IMAN health insurance?

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

IMAN Health Insurance Visitor Cover Review

IMAN offers basic and budget health cover specifically for Australian visa holders, often cheaper than competitor options.
Choose Budget cover for hospital and ambulance only, or Basic for extras like prescription medicine and eye treatments.
IMAN, underwritten by nib, received a slightly lower share of complaints (8.8%) than its market share (9.7%) in 2023-24.

Pros

Its cheaper policy, Budget Visitor Cover, starts from around $15 a week.
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.

What types of health insurance does IMAN offer?

Budget Visitor Cover
Basic Visitor Cover

Ambulance icon

Budget Visitor Cover

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

Hospital icon

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

IMAN is underwritten by nib. The Commonwealth Ombudsman's 2024–25 State of the Health Funds report excludes complaints about overseas visitor cover, so these figures reflect nib's health insurance for Australian residents. They're still a useful guide to how nib handles complaints overall:

nib received 9.6% of all complaints, just under its 9.8% share of the market.
That gives it a market-share-to-complaint ratio of 98%, so it drew about as many complaints as its size would suggest.

IMAN frequently asked questions

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:
- 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

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 520 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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Our verdict: IMAN health insurance has basic and budget cover for working visa holders, but doesn’t offer comprehensive cover.

Key takeaways

Pros

Cons