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 648 Finder guides across topics including:
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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.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
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Under 65
65 - 69
70 or older
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This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
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$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
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