Who can get health insurance with IMAN?

IMAN only offers health insurance to people visiting or studying in Australia on a visa.

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

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

IMAN is not great if:

You aren't on a visa
You want more comprehensive cover

_{Review by our insurance and innovations editor Gary Ross Hunter}

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

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 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

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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 621 Finder guides across topics including:

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

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