Third party motor,sporting and liability medical expenses paid

Under Working Visa Health Plans we go up front and pay all medical, hospital, rehabilitation and repatriation expenses then undertake to adjust the claim and recover from third party policies.

Sponsors are not responsible for any shortfall in the amounts we recover, nor any legal costs we incur.

We are permitted to provide Sponsors with claim adjustment and Assistance Services.

Immediate Benefits. No waiting periods for medical or hospital claims

AHP has no Waiting Periods for medical, hospital, ambulance, physiotherapy, pharmaceuticals, extras or repatriation claims. However, claims relating to obstetrics and pregnancy are payable after 12 months continuous membership under a Family 320 Plan.

Dependent children under 25 years of age are included under your family Plan

Dependent children are 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.

Transfer to Australian Health Management (ahm) on obtaining Permanent Residency

The granting of permanent residency means that you are no longer a temporary resident or visitor to Australia, and therefore you are not entitled to continue your IMAN Australian Health Plans membership.

The Australian Health Management Group Ltd (ahm) health fund will recognise comparable waiting periods already served under the IMAN Australian Health Plans, if you:

1. join ahm within 30 days of leaving the IMAN Australian Health Plans Membership (your ahm policy must commence the day after your last date of membership under the IMAN Australian Health Plans)

2. provide proof of membership and period of membership

If you would like IMAN Australian Health Plans staff to assist you, please complete the Transfer Certificate Request Form.

Australian Health Management Group Ltd (ahm) is one of the leading registered health benefits organisation. For more information, visit www.ahm.com.au

24 hour Assistance service

IMAN Assistance is available via toll free telephone (1800 22 11 33) or email.

The operators are experienced professionals able to assist you in case of an emergency

Bonus Australian travel policy

Travel Insurance in Australia is offered through a policy arranged with ACE Insurance. Apply online for your Bouns membership.

Refund of of prepaid costs upon cancellation or termination

Australian Health Plans only collect payment for the period the Plan is required. So if you have paid in advance of your cancellation date, we refund any costs overpaid.

Certificate of Membership "Interim Membership" issued to facilitate entry visa application.

You can apply for an "Interim Membership" to assist you with your visa application. A non-refundable $50 processing fee applies.

Medical Practitioner liability insurance surcharge included

Some Specialists, particularly Obstetricians, may present Members with an account stating "Not claimable from Medicare or your Private Health Fund". This is because they are passing on the costs of their own liability insurance, and it is not seen as a medical cost. In some instances, these accounts are as much as $6,000. AHP will pay these fees, up to $20,000 per membership year. (Section 8 - all Plans)

Credit for time overseas on business or holiday

Australian Health Plans will give a "Credit for Time Away" when you are overseas. You need to be out of the country for a minimum of 4 weeks and a maximum of 10 weeks to apply for a "Credit for Time Away". Application must be made in advance of travel. We will then adjust your payments accordingly. For any periods in excess of 10 weeks, your membership will be cancelled.

Online applications

Applications for Membership, can be made online. You can apply from overseas, then commence your membership once you arrive in Australia. A fast efficient and simple way of dealing with AHP & IMAN.