IMAN International Pty Ltd (IMAN) is the product issuer for the Working Visa Health Plans. This means that we are responsible for the payment of any claims you make under the terms of the Plans.

IMAN holds an Australian Financial Services Licence which authorises it to deal in, and provide general advice on, discretionary risk products. Our AFS Licence number is 246971.

'Australian Health Plans' is a trading name owned by IMAN and used in connection with the Working Visa Heath Plans. The Plans are available to temporary residents with visas that allow them to work while present in Australia but who are not entitled to receive benefits from Medicare or who are only entitled to Reciprocal or Interim Medicare Benefits.

Definitions used in these terms

Annual limits means, for certain Expenses, the maximum amount we will pay in any one 12 month period where we decide to exercise our discretion in your favour. The Annual Limits will be specified in your Certificate.

Certificate means the certificate supplied by IMAN detailing the information specific to your Plan, including any Annual Limits, details of which Sicknesses and Injuries are included, and the Term of the Plan.

Dependent means any spouse or partner accompanying you and your natural, step, foster or adopted child under the age of 25, living at home and studying full time at an approved school, college or university. This definition of dependent is different to that used in your Australian Visa application.

Existing Ailment is an ailment, illness, condition or disability, the signs or symptoms of which, in the opinion of a Medical Practitioner appointed by us, existed prior to or on the date of application, or on the date of upgrading to a higher Plan, and which is ongoing at the date of your application for a Plan. It does not include any ailment, illness, condition or disability which, in the opinion of a Medical Practitioner, has been resolved at the date of making an application for a Plan.

Expenses means medical, hospital, rehabilitation, obstetrics, repatriation, funeral, and extras expenses which may be paid for under a Plan as specified in the section 'What benefits are offered under your Plan?'.

Injury means accidental bodily injury (excluding anything that results in Sickness).

Insurance and Liability Surcharge means fees charged by a Medical Practitioner for which no Medicare benefit is payable to any person in any circumstance.

MBS Fees means the fees for medical services as set by Medicare.

Medical Arbiter means a Medical Practitioner appointed by us.

Medical Practitioner means a person legally qualified and registered to practice medicine in Australia.

Medicare means the Australian government's health care system.

Plan means the terms and conditions contained in this PDS and the Certificate forming the agreement between IMAN and you.

Sickness means sickness or disease.

Reciprocal or Interim Medicare Benefits means benefits paid by Medicare for medically necessary treatment while visiting Australia.

Term means the period during which the Plan is in effect. The Term commences on the day shown in the Certificate and continues until the Plan is cancelled. The commencement date cannot be prior to your arrival in Australia.

Time Away means a period of time during which you travel outside Australia for up to 10 weeks.

you/your means the person(s) named in the Certificate (and for the Family Plan, a Dependent of the person(s) named on the Certificate).

we/us/our means IMAN International Pty Ltd, ABN 73 052 952 655, AFS Licence 246971, of 39 Albany St, Crows Nest, Sydney, NSW, 2065, a company duly incorporated under the laws of Australia and registered in New South Wales, Australia, and trading as Australian Health Plans.

What benefits are offered under your Plan?

IMAN will pay, in its absolute discretion, certain Expenses for Injury to, or Sickness of, you where that Injury or Sickness occurs during the Term of this Plan, up to the maximum monetary limit shown in the Certificate.

Which Expenses are included depends on which Plan you choose to purchase. There are four Plans available - you should decide which Plan suits you. The Plan you have purchased and the maximum monetary limit for the benefits are shown in the Certificate.

The Expenses that we will pay, if we exercise our discretion in your favour, under each Plan are as follows:

	320 Plan		390 Plan		120 Plan		190 Plan
	Single	Family	Single	Family	Single	Family	Single	Family
In-Hospital, Same Day Surgery and Emergency Room	Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses
Cash Benefit for hospitalisation exceeding 5 days (excluding Dependents)	Up to $200 per day up to a maximum of 180 days per annum.		Up to $200 per day up to a maximum of 180 days per annum.		Up to $200 per day up to a maximum of 180 days per annum.		Up to $200 per day up to a maximum of 180 days per annum.
Elective Surgery	Up to $2000 per person per annum		Up to $2000 per person per annum		Up to $2000 per person per annum		Up to $2000 per person per annum
Obstetrics and Newborn Infants Expenses	Not included	Up to 100% of Expenses Only available after 12 months.	Not included		Not included		Not included
Prescribed pharmaceuticals	Up to $1000	Up to $2000	Up to $1000	Up to $2000	Not Included		Not Included
Physiotherapy/ Osteopathy/ Chiropractic	Up to $1000	Up to $2000	Up to $1000	Up to $2000	Not Included		Not Included
Psychiatric	Up to $2000		Up to $2000		Not Included		Not Included
Extras Including Dental Optical Psychiatric Occupational therapy Podiatry Home nursing and home care Pathology and Radiology Eyeglass lenses and eye examinations Dietetics Speech therapy Hearing aids Acupuncture Naturopath Prosthesis Traditional Chinese or alternative medical therapy (Full details of your extras appear in the Schedule of Cover)	Up to $1000	Up to $2000	Not Included		Not Included		Not Included
	Full details of your extras appear in the Certificate. Benefits unused in any 12 month period are carried forward to the next year.
Outpatient Medical Treatment	Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of the amount of the MBS Fee applicable to out-patient medical services		Not Included
Rehabilitation following hospitalisation including outpatient treatment	Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses
Insurance and Liability Surcharge	Up to $20,000		Up to $20,000		Up to $20,000		Up to $20,000
Repatriation to Your Home Country	Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses
Funeral Expenses	Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses
Ambulance Cover	Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses		Up to 100% of Expenses

What won't we pay for?

We will not exercise our discretion to pay for Expenses under any Plan in any of the following circumstances:

Existing Ailments	Expenses relating to an Existing Ailment (except where the Certificate specifies that an Existing Ailment listed on the Certificate will be included for the period stated in the Certificate). If a decision needs to be made about what is an Existing Ailment at the application stage or when we are considering whether to pay Expenses, we will appoint a Medical Arbiter to make a decision based on the information available.
Professional or Extreme Sports	Expenses relating to an Injury or Sickness occurring while taking part in professional or extreme sporting activities including high-risk sports such as underwater caving, base jumping, motor racing, white water rafting, etc.
Suicide and Self-Inflicted Harm	Expenses relating to an Injury or Sickness resulting from deliberate self-inflicted injury, attempted suicide or the use of illegal substances.
Outside Australia	Expenses relating to an Injury or Sickness occurring outside Australia, including any Sickness or Injury occurring during Time Away.
Prescription Medicines	Expenses relating to proprietary medicines or drugs purchased without a prescription issued by a Medical Practitioner.
Cosmetic Surgery	Expenses relating to cosmetic surgery except where recommended by a Medical Practitioner as a result of an Injury or Sickness.
Fertility and Sexuality	Expenses relating to the treatment of infertility, sexual dysfunction, in vitro fertilisation procedures, sterility or sterilisation and impotence.
Addictive Substances	Expenses relating to treatment of addiction to alcohol, smoking or drugs (legal or illegal).
Insurance	Expenses recoverable from Medicare, or under a compulsory workers compensation policy.
Obstetrics	Expenses relating to obstetrics services and newborn infants incurred within the first twelve months of a 320 Plan for Dependents or incurred at any time under any other Plan.
Visas	Expenses for medical examinations, x-rays, inoculations or vaccinations and other treatments required for the purpose of: obtaining, renewing or extending a visa for entry into Australia; obtaining permanent residency status in Australia; or travelling outside Australia
Optical	Expenses relating to frames for prescription or non-prescription spectacles and laser eye surgery
Transplants and Experimental Surgery	Expenses relating to organ transplants, bone marrow transplants, and any experimental surgical procedures not expressly approved under the Plan.
Psychological	Expenses relating to counselling, psychological testing or other mental health services provided by registered psychologists and any other person who is not a psychiatrist, and group therapy or counselling sessions, including where provided by a psychiatrist.
Unregistered medical practitioners	Expenses relating to treatment provided by a person who is not a Medical Practitioner.
Annual Limits	Any expense, or that part of any expense, exceeding the annual limits specified in the Certificate.

What other conditions apply under the Plan?

If you have any legal rights against a third party which would entitle you to compensation from the third party for an Injury or Sickness which is suffered due to the fault of that party, we will ask you to assign or subrogate those legal rights to us if we pay the Expenses relating to that Injury or Sickness in part of whole. We do this so we can make a financial recovery from a responsible third party. It is important that you do not prejudice your legal rights by holding any third party harmless or otherwise agreeing not to pursue your legal rights against a third party.

Are there any significant risks relating to the Plan?

Discretionary risk product
This Plan is a discretionary risk product. This means that you are entitled to have your claim for Expenses considered, but that IMAN is not obliged to pay all claims that come within the terms and conditions of the Plan. You are entitled to have IMAN decide whether or not to pay the entire claim or to make a contribution to your claim. We will always consider the merits of your claim when making this decision to ensure that we exercise our discretion in a fair or just way. If we decide not to pay your claim, you will have to pay the Expenses yourself.

Because this Plan is a discretionary product, it does not offer the same level of protection that an insurance policy may give you. IMAN is not an insurance company and we are not required to maintain the same financial resources that an insurance company does. We do meet the 'financial resources' licence condition attached to our AFS licence, and we have placed an excess of loss insurance policy with a reputable insurer, approved by the Australian Prudential Regulatory Authority (APRA) to carry on insurance business in Australia. This insurance policy will assist us to meet our financial obligations to pay a claim where you have a claim in excess of $100,000 and up to $1,000,000. IMAN can claim on this policy to help meet the cost of all claims for Plan holders up to a total of $2,000,000.

Financial limits
There is a risk that one or more of your claims may exceed the financial limit if the Expenses for Sickness or Injury exceed the Annual Limits.

Some Plans only provide benefits for MBS Fees. Some Medical Practitioners may charge a higher fee than the MBS Fee and you will be required to pay the difference (the gap) to the Medical Practitioner. You may incur significant expense in relation to gap charges under the 120 Plan.

You should take care to ensure you select the Plan that offers you the level of protection you are likely to require.

Complying with the Plan conditions
There is also a risk that if you fail to meet any of the conditions attached in the Plan, we will not exercise our discretion in your favour, and we may cancel your Plan. Refer to the section below 'Cancellation and Expiry' for further information about cancellation.

How much does each Plan cost?

The cost of each Plan is set out below and is inclusive of GST. IMAN may, at our discretion increase the cost of each Plan from time to time. We will give you 30 days notice of any changes to the annual cost.

Plan Option	Monthly		Quarterly		Annually
	Single	Family	Single	Family	Single	Family
320 Plan	$208	$416	$624	$1248	$2496	$4992
390 Plan	$155	$310	$465	$930	$1860	$3720
120 Plan	n/a	n/a	$230	$460	$920	$1840
190 Plan	n/a	n/a	$189	$378	$756	$1512

We will refund you the cost of the Plan applicable to any Time Away of which you have notified us in advance.

Taxation Implications

The taxes and charges that apply to the Plan will be shown in the Certificate completed when the Plan is issued by us. The financial limit includes any GST payable for expenses.

Cooling off

You have the right to cancel this Plan at any time up to 14 days from the date when your Plan was confirmed and receive a full refund. You may cancel the Plan by giving us notice in writing of your intention to cancel within the cooling off period. You cannot cancel within the cooling off period and obtain a refund if you have made a claim already.

Cancellation and Expiry

You may cancel the Plan at any time. IMAN may choose to cancel this Plan, effective immediately, if you are in breach of any of the terms or conditions of this Plan, including non-payment. IMAN will give you notice in writing of its intention to cancel the Plan. Where you cancel your Plan and return overseas, we will give you a pro rata refund of any fees you have paid in advance for the Plan.

The Plan will end on the date of your permanent departure from Australia.

The Plan will end upon you being granted permanent residency of Australia.

Making an Expenses Claim

For medical expenses - To make a claim for medical expenses, please download a claim form from our website, complete the form and post it to us together with your original invoices and original receipts.

You can download our claims form at http://www.austhealth.com/howToClaim.php

Most Medical Practitioners will require payment at the time of consultation. Chemists also require payment for all prescription medicines dispensed. Pharmacy receipts are required when claiming pharmaceutical benefits.

For hospital admissions expenses - For hospital expenses claims, we can arrange payment directly to providers.

Please request the receptionist or hospital Admissions Officer to call us on our Australia-wide Freecall Number 1800 22 11 33 and provide details of the account.

For claims relating to the cash benefit for more than 5 days hospitalisation, where we exercise our discretion in your favour, this benefit will be paid on a weekly basis.

Dispute resolution

If you wish to make a complaint about our services, products or any decision we make regarding a claim, you can contact our Complaints Officer on 1800 22 11 33. We will acknowledge receipt of your complaint within 10 business days, and attempt to resolve it within 10 business days.

IMAN is a member of the Insurance Brokers Disputes Ltd, an external dispute resolution scheme. If you are not satisfied with the manner in which your complaint is handled, you are entitled to take your complaint to them. You can contact them on 1300 780 808. Any decision they make is binding on us but not on you.

Governing Law and Jurisdiction

The terms and conditions of the Plan are governed by the law of the State of New South Wales and the Courts in that State have jurisdiction in any dispute arising under the Plan.

Contact details

IMAN International Pty Ltd t/as Australian Health Plans
AFS Licence No: 246971
39 Albany St
Crows Nest NSW 2065
Ph: 1800 22 11 33
Fax: 02 8437 2877

Amended 30 July 2008 V1.3