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 2023 Ombudsman health insurance complaints. IMAN is issued by nib. Here's how the health insurer stacked up against its competitors:
It received a higher percentage of complaints than its market share.
It had proportionally more complaints than 11 other health funds, including Bupa, HBF and GMHBA.
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 Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 644 Finder guides across topics including:
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
Learn how to get cheap health insurance and what you can expect for your money.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
