Qantas Assure Health Insurance

Claim for a range of hospital and extras services while earning Qantas Points and bonus rewards.

Qantas has recently entered the health insurance market and is currently offering a range of health insurance policies that gives you value for money even if you do not get sick. By signing up with Qantas Assure, you may be eligible for the following on select covers:

  • 50,000 bonus Qantas Points when you sign up for a Top Hospital and Top Extras Cover for couples and families.
  • 15,000 more Qantas Points for every year that you stay active with the Assure App.
  • A free Apple Watch to make using the Assure App even easier.
  • 1 bonus Qantas Point per dollar spent on premiums.
Unfortunately, finder.com.au does not currently have the facilities in place to provide quotes for this health insurer. To compare policies from providers in our panel, please head to the health insurance homepage.

What are the benefits of becoming a member?

Qantas Assure is underwritten by QBE, issued by NIB and made available by Qantas. The following are some of the unique benefits that make this health insurer stand out:

  • Recognition of loyalty programs from other insurers, so you do not lose any bonuses previously earned if you switch.
  • Receive discounted prices if you are an existing Qantas Frequent Flyer or become a complimentary member if you sign up.
  • Get free Qantas Points throughout the life of your policy and extra rewards for joining.
  • Choose from single, couple, family or single-parent plans to get a policy more tailored to your needs and budget.

What policies are currently available?

Qantas Assure offers hospital cover, which allows you to access private hospitals, and extras cover that pays benefits towards medical treatment outside of the hospital, such as dentist check-ups, optical services and physiotherapy. Simply select the type of health insurance you are interested in below to view what is covered by each policy tier.

Qantas Assure hospital policies

You can find the waiting periods for hospital cover below this table.

TreatmentBasic HospitalMid HospitalAdvanced HospitalTop Hospital
Appendix removal
  • Covered
  • Covered
  • Covered
  • Covered
Assisted reproduction
  • No cover
  • No cover
  • No cover
  • Covered
Back surgery
  • No cover
  • No cover
  • Covered
  • Covered
Brain surgery
  • No cover
  • Covered
  • Covered
  • Covered
Cancer treatments (PBS approved)
  • No cover
  • Covered
  • Covered
  • Covered
Colonoscopies
  • Covered
  • Covered
  • Covered
  • Covered
Dental surgery
  • Covered
  • Covered
  • Covered
  • Covered
Eye treatments and surgery
  • No cover
  • No cover
  • Covered
  • Covered
Gastroscopy
  • Covered
  • Covered
  • Covered
  • Covered
Grommets in ears
  • Covered
  • Covered
  • Covered
  • Covered
Gynaecology
  • Covered
  • Covered
  • Covered
  • Covered
Heart surgery
  • No cover
  • Covered
  • Covered
  • Covered
Hernia repair
  • Covered
  • Covered
  • Covered
  • Covered
Infertility investigations
  • No cover
  • No cover
  • No cover
  • Covered
Joint investigations
  • Covered
  • Covered
  • Covered
  • Covered
Joint reconstructions
  • Covered
  • Covered
  • Covered
  • Covered
Joint replacements
  • No cover
  • Covered
  • Covered
  • Covered
Obesity surgery
  • No cover
  • No cover
  • Covered
  • Covered
Palliative care
  • Covered
  • Covered
  • Covered
  • Covered
Pregnancy and birth-related services
  • No cover
  • No cover
  • No cover
  • Covered
Psychiatric treatment
  • Covered
  • Covered
  • Covered
  • Covered
Rehabilitation
  • Covered
  • Covered
  • Covered
  • Covered
Removal of gallstones
  • Covered
  • Covered
  • Covered
  • Covered
Renal dialysis
  • No cover
  • No cover
  • Covered
  • Covered
Stroke treatment
  • No cover
  • Covered
  • Covered
  • Covered
Tonsil and adenoid removal
  • Covered
  • Covered
  • Covered
  • Covered
All other non-excluded Medicare services
  • No cover
  • Covered
  • Covered
  • Covered
Cosmetic surgery
  • No cover
  • No cover
  • No cover
  • No cover

Qantas Assure extras policies

  • The percentage amount in brackets next to each extras policy is the portion of the cost that you can claim on services.
  • Annual benefit limits are applied to the majority of extras services, which is the maximum amount you can claim per year.
  • Waiting periods also apply, which you can find below this table.
TreatmentBasic Extras (60%)Family Extras (60%)Lifestyle Extras (60%)Top Extras (75%)
Ambulance
  • Covered
  • Covered
  • Covered
  • Covered
Antenatal and postnatal classes
  • No cover
  • Covered
  • No cover
  • Covered
Chiropractic
  • No cover
  • Covered
  • Covered
  • Covered
General dental
  • Covered
  • Covered
  • Covered
  • Covered
Major dental
  • Covered
  • Covered
  • Covered
  • Covered
Preventative dental
  • Covered
  • Covered
  • Covered
  • Covered
Dietary advice
  • No cover
  • No cover
  • No cover
  • Covered
Exercise physiology
  • No cover
  • No cover
  • No cover
  • Covered
Eye therapy
  • Covered
  • No cover
  • No cover
  • Covered
Health aids
  • No cover
  • Covered
  • Covered
  • Covered
Healthy living programs
  • No cover
  • No cover
  • Covered
  • Covered
Hearing aids and speech processors
  • No cover
  • No cover
  • No cover
  • Covered
Home nursing services
  • No cover
  • No cover
  • No cover
  • Covered
Natural therapies
  • No cover
  • Covered
  • Covered
  • Covered
Occupational therapy
  • No cover
  • No cover
  • No cover
  • Covered
Optical appliances
  • Covered
  • Covered
  • Covered
  • Covered
Orthodontics
  • No cover
  • Covered
  • No cover
  • Covered
Osteopathy
  • No cover
  • No cover
  • No cover
  • Covered
Pharmaceutical prescriptions
  • Covered
  • Covered
  • Covered
  • Covered
Physiotherapy
  • Covered
  • Covered
  • Covered
  • Covered
Podiatry
  • No cover
  • Covered
  • Covered
  • Covered
Preventative tests
  • No cover
  • Covered
  • Covered
  • Covered
Psychology
  • No cover
  • No cover
  • Covered
  • Covered
Speech therapy
  • No cover
  • Covered
  • No cover
  • Covered

Do I have to serve any waiting periods?

Yes, waiting periods apply to both Qantas Assure hospital and extras policies. You can find the amount of time you have to wait before being able to claim services below.

Are there any exclusions?

Exclusions are conditions under which the insurer will not pay a benefit and even the most comprehensive policies typically have some. Qantas Assure's exclusions include the following:

  • Procedures that take place within waiting periods. You must serve the waiting period before you can make a claim.
  • Hospital cover for Pharmaceutical Benefits Scheme (PBS) medications. Non-PBS items are covered by extras.
  • Hospital expenses other than medical treatments, such as beauty services, hospital pay phones and car parking.
  • Non-approved providers. You can choose your own provider, but they must be suitably qualified and recognised.
  • No hospital cover for non-essential treatments unless covered by the terms of the policy.

If you are found to have violated the terms of your health insurance policy, such as hiding pre-existing medical conditions, then the insurer reserves the right to refuse a claim.

How do I earn the bonus rewards?

The benefits offered by Qantas Assure make it an effective choice for people who travel frequently and love their active lifestyles. You can find the criteria for receiving these rewards below.

Eligible policiesReward
  • Top Hospital + Top Extras (family and couple)
  • 50,000 Qantas Points. You must maintain your cover for 60 continuous days to receive the points. You cannot use this offer in conjunction with the Apple Watch offer.
  • Top Hospital + Top Extras (family, couple and singles)
  • Top Hospital + Lifestyle Extras (family and couple)
  • Top Hospital + Family Extras (family and couple)
  • Advanced Hospital + Top Extras (family and couple)
  • Mid Hospital + Top Extras (family and couple)
  • Apple Watch. You must maintain your cover for 60 continuous days to receive the watch. You cannot use this offer in conjunction with the 50,000 Qantas Points offer.
  • Top Hospital
  • Advanced Hospital
  • 15,000 Qantas Points. To earn these points, you must complete daily and weekly challenges accessed through the Assure fitness app.
  • All policies allow you to take advantage of this offer.
  • One Qantas Point for every dollar spent on premiums. Government rebates that reduce your premium amounts are not counted under this offer.

How do I make a claim?

If you are not sure whether your health insurance policy covers an upcoming medical procedure or treatment, it may be a good idea to check with the practitioner or your provider ahead of time to make sure it is claimable. Once you have confirmed that your treatment is eligible, you have several options available for lodging a claim:

  • You can lodge hospital claims through the member portal on the Qantas Assure website.
  • You can use your membership card to claim medical extras if the facility where you received treatment has a HICAPS terminal.
  • If you are unsure of how to go about claiming, you can contact the Qantas Assure team directly at 13 49 60.

Final information about this health insurer

Yes, but Qantas gives new members a complimentary Frequent Flyer membership, which usually costs $89.50.

If your family grows or shrinks, or your needs change, you can adjust your level of cover.

While this health insurance is aimed at travellers, it is still health insurance, not travel insurance. This means it cannot cover you outside of Australia. However, you are able to temporarily suspend your cover while travelling to save money on your premium.

Qantas Assure gives you a choice of excess options that enables you to choose a higher excess ($500) for lower premiums or a lower excess ($250) for higher premiums.

Dependent children up to the age of 21 are not required to pay any hospital excess fees if they are covered under a family policy.

This is the amount of time you have to cancel your policy and get a full refund, minus some costs and conditions. Qantas Assure applies a 30 day cooling-off period to its products.

You can cover yourself and your entire family as needed with the range of policies available. Anyone who is listed on the policy is insured, regardless of whether it is the policyholder, a spouse or a dependent, although the benefits available may vary for each.

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4 Responses

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    NellieJuly 8, 2017

    I would like to know if it’s worth changing from my teachers health to Qantas. Thank you

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    NarendraJune 26, 2017

    I have private insurance top cover with Buppa. How does it compare with Qantas? Is it better value same or less?

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