Budget Visitor Cover

Meets your visa requirements and covers you for In-hospital services.

single Single Price - $75.62 per month
quarterly: $226.85 | half-yearly: $453.70 | yearly: $907.41
couple Couple Price - $151.23 per month
quarterly: $453.70 | half-yearly: $907.41 | yearly: $1,814.82
family Family Price - $219.67 per month
quarterly: $659.00 | half-yearly: $1,318.00 | yearly: $2,636.00

Apply for budget visitor cover here

Key Benefits
  • Meets the Department of Home Affairs working visa requirements.
  • Confirmation of health cover letter provided upon joining
  • Covers 100% of the cost of private and public hospital
  • No hospital Excess
  • Ambulance and medical repatriation cover

Note: For more information about the IMAN products please read the Working Visitor Health Cover Brochure

Hospital Services

Hospital In-patient services include:

  • 100% of the cost of hospital accommodation for overnight and same day stays
  • 100% of the cost of operating theatre, intensive care, ward fees
  • 100% of the cost of surgically implanted prostheses

Examples of services covered:

  • Accidents
  • Knee & shoulder surgery
  • Knee, hip & shoulder investigations
  • Removal of tonsils
  • Removal of appendix
  • Hernia surgery
  • Back surgery e.g. slipped disc
  • Upper gastrointestinal investigations
  • Colonoscopies & bowel surgery
  • Kidney stone & gall stone removal
  • All eye surgery e.g. cataracts, squints, pterygiums
  • Heart surgery e.g. stents, open heart surgery
  • Grommets in ears
  • Rehabilitation programs
  • Major joint replacement e.g. artificial knee/hip
  • Renal dialysis


Waiting Period

Ambulance Cover Nil
In-patient Psychiatric treatment 2 months
In-patient Palliative care treatment(whether or not for pre-existing condition) 2 months
Pre-existing conditions In-patient 12 months
Pregnancy and birth related services 12 months
Medical Services

Coverage for services listed under the Medicare Benefit Schedule (MBS)

  • 100% of the cost for In-patient medical provided in a hospital (including doctors, specialists, pathology and radiology)
  • Emergency Room visits in a hospital only (where certified by the treating doctor or leads to an In-patient admission)
  • Out-patient continuing treatment following hospitalisation. Only includes services that are covered by the Medicare Benefit Schedule (MBS) and home nursing for wound care or Intravenous antibiotics (excludes personal care and Extras services such as physio and acupuncture). All treatment must be documented and approved by the treating doctor prior to discharge
Lower Benefits
  • Gastric banding & obesity surgery
  • Psychiatric treatment
  • Palliative Care
  • Pregnancy and birth related services

Lower Benefits are restricted to the MBS fee for In-patient and Out-patient medical expenses and accommodation at the rate determined by State and Territory health authorities for public hospital accommodation. Public hospital benefits may be put towards the cost of a stay in a private hospital, please call 1800 22 11 33 to check your cover as this may result in out of pockets for customers.

Additional Services
  • Ambulance cover (medically necessary transport provided by a State and Territory Ambulance Service)
  • Medical Repatriation to home Country (where deemed medically necessary by a medical practitioner appointed by IMAN)
  • Funeral expenses ($20,000 limit per person per policy)

Services not covered

  • General dental and optical
  • Out-patient Medical services
  • Out-patient pharmaceutical
  • In-patient and Out-patient Services not covered by Medicare such as cosmetic surgery (to enhance appearance) or experimental surgery
  • Assisted reproductive services e.g. IVF
  • Bone Marrow and Organ transplants