Qantas Insurance Health Insurance

Earn points and bonus rewards with Qantas Health Insurance.

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 Insurance, you may be eligible for the following on select covers:

  • 50,000 bonus Qantas Points when you sign up for a Gold Hospital and Top Extras Cover for couples and families.
  • 20,000 more Qantas Points for every year that you stay active with the Insurance App.
  • An option to choose a free Apple Watch to make using the Insurance App even easier.
  • 1 bonus Qantas Point per dollar spent on premiums.
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Richard Laycock
About the author
Richard Laycock is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

What are the benefits of becoming a Qantas Insurance member?

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

  • 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 are the health insurance options?

Qantas Insurance 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 Insurance hospital policies

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

BenefitBasicBronzeBronze PlusSilver PlusGold
Accidental injury benefit
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Emergency Ambulance Cover
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Dental Surgery
  • Yes
  • Yes
    • Yes
  • Yes
  • Yes
Gastrointestinal Endoscopy
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Tonsils, adenoids and grommets
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Hernia and Appendix
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Miscarriage and termination of pregnancy
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Gynaecology
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Joint Reconstructions
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Hospital psychiatric services
  • Minimum Benefits Payable
  • Minimum Benefits Payable
  • Minimum Benefits Payable
  • Minimum Benefits Payable
  • Yes
Palliative Care
  • Minimum Benefits Payable
  • Minimum Benefits Payable
  • Yes
  • Yes
  • Yes
Rehabilitation
  • Minimum Benefits Payable
  • Minimum Benefits Payable
  • Yes
  • Yes
  • Yes
Bone, joint and muscle
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Brain and nervous system
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Breast surgery (medically necessary)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Diabetes management (excluding insulin pumps)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Digestive system
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Ear, nose and throat
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Eye (not cataracts)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Kidney and bladder
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Male reproductive system
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Pain management
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Skin
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Blood
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Lung and chest
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Plastic and reconstructive surgery (medically necessary)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Podiatric surgery (provided by a registered podiatric surgeon)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Insulin pumps
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Pain management with device
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Sleep studies
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Implantation of hearing devices
  • No
  • No
  • Yes
  • Yes
  • Yes
Heart and vascular system
  • No
  • No
  • Yes
  • Yes
  • Yes
Back, neck and spine
  • No
  • No
  • No
  • Yes
  • Yes
Joint replacements
  • No
  • No
  • No
  • Yes
  • Yes
Cataracts
  • No
  • No
  • No
  • Yes
  • Yes
Dialysis for chronic kidney failure
  • No
  • No
  • No
  • Yes
  • Yes
Weight loss surgery
  • No
  • No
  • No
  • Yes
  • Yes
Assisted reproductive services
  • No
  • No
  • No
  • No
  • Yes
Pregnancy and birth
  • No
  • No
  • No
  • No
  • Yes
Points
  • 2,500
  • 5,000
  • 7,500
  • 10,000
  • 15,000
Earn double points on premiums for first 12 months
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Qantas Points for being active
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
BenefitBasicFamilyLifestyleActiveTop
Ambulance (Unlimited Emergency)
  • No annual limit
  • No annual limit
  • No annual limit
  • No annual limit
  • No annual limit
Dental (General)
  • $600 annual limit
  • $600 annual limit
  • $600 annual limit
  • $700 annual limit
  • $1,000 annual limit
Dental (Major)
  • $600 annual limit
  • $600 annual limit
  • $600 annual limit
  • $1,000 annual limit
  • $1,300 annual limit
Dental (Preventative)
  • No annual limit
  • No annual limit
  • No annual limit
  • No annual limit
  • No annual limit
Optical
  • $250 annual limit
  • $250 annual limit
  • $250 annual limit
  • $250 annual limit
  • $350 annual limit
Physiotherapy
  • $350 annual limit
  • $350 annual limit
  • $350 annual limit
  • $750 annual limit
  • $600 annual limit
Pharmaceutical Prescriptions
  • $100 annual limit
  • $150 annual limit
  • $150 annual limit
  • $100 annual limit
  • $500 annual limit
Chiro & Osteo
  • No cover
  • $150 annual limit
  • $300 annual limit
  • $750 annual limit
  • $400 annual limit
Health Aids
  • No cover
  • $250 annual limit
  • $250 annual limit
  • $300 annual limit
  • $500 annual limit
Natural Therapies
  • No cover
  • $150 annual limit
  • $300 annual limit
  • $400 annual limit
  • $400 annual limit
Podiatry & Orthotics
  • No cover
  • $200 annual limit
  • $200 annual limit
  • $250 annual limit
  • $400 annual limit
Preventative Tests
  • No cover
  • $100 annual limit
  • $100 annual limit
  • $100 annual limit
  • $200 annual limit
Dietary Advice
  • No cover
  • No cover
  • $300 annual limit
  • $300 annual limit
  • $600 annual limit
Healthier Lifestyle
  • No cover
  • No cover
  • $150 annual limit
  • $200 annual limit
  • $200 annual limit
Psychology
  • No cover
  • No cover
  • $300 annual limit
  • $300 annual limit
  • $500 annual limit
Occupational Therapy
  • No cover
  • No cover
  • No cover
  • $200 annual limit
  • $450 annual limit
Antenatal & Postnatal Services
  • No cover
  • No cover
  • No cover
  • No cover
  • $250 annual limit
Speech Pathology
  • No cover
  • No cover
  • No cover
  • No cover
  • $450 annual limit
Orthodontia
  • No cover
  • No cover
  • No cover
  • No cover
  • $800 annual limit
Exercise Physiology
  • No cover
  • No cover
  • No cover
  • $150 annual limit
  • $300 annual limit
Eye Therapy (Orthoptics)
  • No cover
  • No cover
  • No cover
  • No cover
  • $200 annual limit
Hearing Aids & Speech Processors
  • No cover
  • No cover
  • No cover
  • No cover
  • $1,200 annual limit
Home Nursing
  • No cover
  • No cover
  • No cover
  • No cover
  • $200 annual limit
Points
  • 2,500
  • 5,000
  • 7,500
  • 8,500
  • 10,000
Earn double points on premiums for first 12 months
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Qantas Points for being active
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes

Qantas Insurance 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.

Do I have to serve any waiting periods?

Yes, waiting periods apply to both Qantas Insurance hospital and extras policies. You can find the amount of time you have to wait before being able to claim services below. If you're switching from another and have comparable cover your waiting limits will be recognised.

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 Insurance'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 Insurance 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 policies Reward
  • Gold 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.
  • Gold Hospital + Top Extras (family, couple and singles)
  • Gold Hospital + Lifestyle Extras (family and couple)
  • Gold Hospital + Family Extras (family and couple)
  • Silver Plus Hospital + Top Extras (family and couple)
  • Bronze Plus 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.
  • Gold Hospital
  • 15,000 Qantas Points. To earn these points, you must complete daily and weekly challenges accessed through the Insurance 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 Insurance 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 Insurance team directly at 13 49 60.

Final information about this health insurer

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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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