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IMAN
IMAN
*iSelect does not provide a comparison service for Overseas Visitors Health Insurance. We provide a click through service through our website to a range of providers. Learn more.
Written by
Madeline Pettet
Edited by
Laura Crowden
Long story short
IMAN is a subsidiary of nib: a leading Australian health insurer
By opting for an IMAN policy, you can be part of the nib family with access to their provider network.
IMAN’s speciality is providing health cover for working visitors
They have options for different working visas, including cover that meets condition 8501.
They offer a range of cover options
From covering just yourself to the whole family, including on a budget, there are plenty of choices at IMAN.
Who is IMAN?
Australia is home to many iconic names, from Kylie Minogue to Russell Crowe. However, you’d be forgiven for not being so familiar with IMAN. While they mightn’t be the star of blockbuster hits or have a discography covering several decades, they are a name to know when it comes to OVHC in Australia.
Why consider IMAN for your Overseas Visitors Health Cover?
A track record to inspire confidence
IMAN has been in the OVHC business for over 30 years. Plus, more than 17,000 people trust their OVHC cover with them.
Powered by nib
Since IMAN is a subsidiary of one of Australia’s leading health insurers – nib – that means as an IMAN policy holder you can access nib’s extensive provider network.
You’re the speciality
IMAN’s policies are designed with workers in mind. Their range of choices is made to suit different needs and budgets while meeting visa requirements.
What types of policies do they offer?
IMAN’s OVHC speciality is cover for working visitors to Australia. This includes budget options with reduced coverage, along with more expensive policies with more services covered.
With IMAN, you can choose from hospital and ambulance policies, or policies that also come with extras cover. You might like to think about what your needs are and balance your potential cover options with your budget.
IMAN’s range of policies also includes cover for singles, couples, and families. This means you can opt to cover just yourself if you’re travelling solo or those closest to you if you’re all along for the adventure.
Helpful tip
If your OVHC policy includes cover for a certain treatment or procedure, you may want to doublecheck what the benefit is for this. Depending on your policy, IMAN may cover 100% of the Medicare Benefit Schedule (MBS) fee but not necessarily all of what your doctor charges. Other items may have capped limits, like only up to a certain dollar figure per year. You can see what your benefits are by checking your Product Disclosure Statement (PDS).
Frequently asked questions
What visas do they provide OVHC for?
Since IMAN specialises in OVHC for working visas, it makes sense that they have policies that are suitable for both visa 482 Temporary Skill Shortage and visa 485 Temporary Graduate. These policies meet condition 8501 – evidence of adequate health arrangements – as required by the Department of Home Affairs.
Do they offer cover for extras like dental and optical?
IMAN has OVHC policies that include cover for general treatments, otherwise known as extras. These are for services like visiting the physiotherapist, dentist, or optometrist, rather than going to hospital.
As these policies offer more extensive cover, you will likely need to pay a little bit more in premiums.
You can check what extras an OVHC policy covers by looking at the policy booklet.
How do excesses work with IMAN?
An excess is a set amount you may need to pay when visiting hospital and using your private health insurance. Your policy booklet will list whether you have an excess and how much this is.
At IMAN, there’s a few things to keep in mind when it comes to excesses. For a start, some policies don’t have them. For those that do, you may be able to pick a higher excess in exchange for a lower premium. If this is something you’re considering, keep in mind that you’ll need to pay the excess upfront, so you may want to be confident it’s something you can afford out of the blue.
If you have an IMAN policy that covers a dependent child – that’s a child under 21 years of age – the excess is not applicable to them.
Finally, if you decide to change IMAN policies, you may want to be aware of how this can affect your excess. If you’re moving to a policy with a lower excess, your old excess will still apply for a set period of time (up to 12 months).
How do I make a claim with them?
If you ever need to make a claim on your IMAN OVHC, it’s simple. All you need to do is open the nib app, follow the claim prompts, and upload a clear photo of the receipt for your applicable service.
Alternatively, you can follow the same process using nib’s online services on their website.
How can I pay my OVHC bill?
To keep your cover with IMAN, you’ll need to pay your premium in advance. There are a few ways you can do this, including via direct debit from your bank account or making an automatic charge to your credit card.
To help you budget, you can choose how often you make these payments, whether that’s monthly, quarterly, half-yearly, or yearly.
Find and compare OVHC with iSelect and IMAN
Working in Australia can be a great way to earn some cash, gain experience in your field, and have endless must-see tourist destinations right on your doorstep. The catch is making sure you have the health insurance your visa requires. But that’s where iSelect and IMAN can help. Explore different IMAN OVHC policies online today.
*iSelect does not provide a comparison service for Overseas Visitors Health Insurance. We provide a click through service through our website to a range of providers. By clicking “Go To Site” button, you’ll be directed to the website of your chosen OVHC provider. iSelect is paid a commission by the provider calculated on a per click and per policy sold basis.