Plan Comparison

Price Comparison

Pricing effective 1 April 2012	Budget Visitor Cover	Basic Visitor Cover	Mid Visitor Cover	Top Visitor Cover	Executive Visitor Cover
Single Plan Cost per Annum	$912	$1188	$2280	$3024	$3900
Couple Plan Cost per Annum	$1824	$2376	$4560	$6048	$7800
Family Plan Cost per Annum	$2076	$2760	$5112	$6816	$9216

In-Hospital Benefits ∇
In-patient (in-hospital) medical services
Assisted reproductive services
Public or private hospital accommodation (overnight and day-only, including theatre, intensive care, ward drugs) Exception - lower benefits apply for:
Public hospital cover for psychiatric treatment
Public hospital cover for palliative care
Public hospital cover for Gastric Banding and Obesity surgey
Out-patient treatment following hospitalisation
Rehabilitation programmes following hospitalisation
Pharmacy expenses provided as an in-patient (in-hospital)
Hospital emergency room visits (public or private hospital; leading to admission as an in-patient OR classified as a genuine emergency)
Non-emergency treatment in hospital emergency room (public or private hospital)
Surgically-implanted prostheses

In-hospital Obstetrics Benefits ∇
Public hospital cover for pregnancy and birth-related services**
Couple or Family Plans: public and private hospital cover for pregnancy and birth related services** (in-patient medical 100% of costs)
Couple or Family Plans: public and private hospital cover for pregnancy and birth related services** (in-patient medical 100% of MBS*)

Out-patient Benefits ∇
Out-patient medical services- 100% of costs (some restrictions and exclusions apply - refer to Schedule of Benefits)
Out-patient medical services - 100% of Medicare Benefits Schedule (MBS) Fee (some restrictions and exclusions apply - refer to Schedule of Benefits)
No out-patient medical services

Extras Benefits ∇
Extras services (e.g. dental, optical, alternative therapies)** with rollover of un-used Extras Benefit limits from year to year
Extras services (e.g. dental, optical, alternative therapies)** without rollover of un-used Extras Benefit limits from year to year
Physiotherapy, osteopathy and chiropractic services**
Out-patient pharmacy (prescribed PBS drugs)**

Other Plan Features ∇
Annual benefit limit of $1 million dollars, per person per annum
Ambulance Cover
Medical repatriation to home country - 100% of expenses
Funeral costs - 100% of expenses
Health cover portability - recognition of insurance provided (including waiting periods served) by other Australian-based insurers
Membership eligibility checking service (financial consent) for hospital admissions (24/7)

*Doctors generally charge more than the MBS Fees and will leave you with a "gap" or co-payment
**Annual limits and/or waiting periods apply

	Budget Visitor Cover	Basic Visitor Cover	Mid Visitor Cover	Top Visitor Cover	Executive Visitor Cover
I want to meet the Department of Immigration and Citizenship visa condition 8501 for subclass 457 visas and other 400-series working visas.
I just want the minimum level of cover required for my visa and nothing more (only in-hospital (in-patient) admissions)
I want cover for in-hospital (in-patient) admissions; and would also like some cover for out-patient medical services (e.g. going to the doctor)
I want a high level of cover for in-hospital and out-patient medical services and some extras (physiotherapy, etc)
I want a high level of cover for in-hospital and out-patient medical services and pregnancy, and would also like some extras benefits (physiotherapy, dental etc)
I want the highest level of hospital and out-patient cover available and some extras benefits including physiotherapy and dental
I have a Reciprocal Medicare Card, but want some Private Hospital Cover

Please refer to the Schedule of Benefits along with the Policy Document, which outlines the terms and conditions.

IMAN Australian Health Plans Pty Ltd (Trading as IMAN Australian Health Plans)
ABN 34 144 907 746