HIF Is Recommended For Couples Looking For Medium Coverage

Couples looking for cover that exceeds the minimum 457 visa health insurance requirements should consider HIF Intermediate Visa Cover.

Our comparison of the major 457 visa health funds’ policies for couples found that HIF’s cover has:

• A low price of just $210.40 while still offering strong benefits
• A further 4% discount when paying ‘yearly’
• Full cover for accommodation in a shared room (private hospital)
• Cover for visits to your local doctor (GP) and other services such as X-Rays
• Ambulance (100% Covered)
• Repatriation up to a limit of $6,000

HIF is based in Perth and offers coverage for any 457 visa holder location in Australia. They are ‘not for profit’ so they don’t pay dividends to shareholders or private equity which helps keep their policy prices low. As of the 24/09/2015 they have a score of 6.2/10 on Product Review which is higher then many other 457 visa medical insurance funds such as Medibank and BUPA. They are also recommended for their budget couples 457 health insurance cover.

When you make a claim with HIF or several other health insurance for 457 visa holder policies the rate you get back will often be pre-determined by the Medicare Benefit Schedule also known as MBS. This is set by the government and has a list of services and what the set amount is that the government will pay back to its permanent residents if they use these services or in this case what a 457 visa holder will get back. Some policies above will pay above this rate for certain services (such as 150% of the MBS) while others will pay the full amount irrelevant of the MBS. This is why it’s so critical to compare the couples 457 visa health cover policies before making your purchase. Make sure you work out what you and your partner may require in the next 12 months, the amount you will claim and use this to determine the right policy for you.

What If I Want A Private Room?

For those wanting the comfort of a private room when staying in a private hospital you should consider IMAN as they have:

• A competitive rate of $268.67 for couples 457 visa health cover
• 100% Cover for Private & Public hospital accommodation*
• 100% Cover for Private & Public hospital treatments*
• Cover to see a Doctor (GP) for day-to-day health needs
• Cover to see a specilist, pathology or radiology when a referral is provided.
• Repatriation cover

IMAN is a subsidiary of nib, one of Australia’s largest health funds. The IMAN brand specialises in overseas visitor health cover including 457 health insurance. On Product Review it has a score of 5.4/10 from 24 reviews.

About This 457 Health Insurance Comparison

This recommendation was based on the author’s comparison of 457 visa health insurance policies on the 24th of September 2015 based on a manual review of each funds’ website. Policy prices and benefits may be updated as time passe, and it’s recommended that individuals download all policy documents for a detailed up-to-date comparison to find the right cover for them. An article made in September on extras versus hospital cover in Australia can help you with your decision. It can be found here.

While the authors of 457VisaCompared.com.au have made their best attempts at comparing the 457 visa health insurance policies, it cannot guarantee the accuracy of all elements and is happy to make changes based on any feedback provided by individuals or representatives of the health funds. Therefore, this information is indicative and provided as general information guide only. Please refer to the relevant policy brochure for full details including waiting periods.