Family Looking For Medium Cover Should Consider IMAN

On the 26/08/2016 a 457 visa health insurance family comparison reviewing intermediate policies found IMAN offered the best cover.
IMAN was chosen as:

• The lowest family intermediate price of $351.00 per month
• Both public & private hospital cover
• $0 hospital excess
• Out of hospital services including GPs (family doctors) & radiology or pathology services.
• Ambulance cover

IMAN is a brand that focuses on overseas visitor health cover including 457 visa health insurance policies. They are a subsidiary of nib, one of Australia’s largest health funds which is listed on the Australian Stock Exchange. It’s critical to understand that IMAN’s basic policy covers 100% of the cost when in hospital (except for several services that receive a lower benefit such as pregnancy. This is superior to many other policies which will only cover you to the extent of the Medicare Benefit Scheme which may lead you out of pocket.

To understand what the right level of 457 visa family health insurance is right for you, the authors developed a useful article for families. One key factor to consider is how much you can claim when a family member needs to see a doctor which is related to the MBS for most policies. This is a set amount for specific services (such as visiting the family doctor) which may be below the amount actually charged for that service. Some policies will pay above this amount (depending on the service) so its worth considering comparing policies or talking to the family 457 visa health fund to find out the best policy for your family’s circumstance.

The authors who made this 457 visa health insurance comparison have used each fund’s website to gather data and used their own interpretation of policies and coverage. Feedback is appreciated via the online form and changes will be made promptly once verified to be correct. Due to the fact that these comparisons were made by real people and since policies can change over time, the accuracy of the charts cannot be guaranteed. Therefore, information provided is indicative and should only be used as a general information guide. It is recommend to look at specific policies from each health fund for all the pertinent information including waiting periods, exclusions and annual limits.