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Pros
You can get up to 60,000 points if you combine Gold Hospital with Top Extras — enough points to take you from Sydney to LA.
You earn 1 Qantas Frequent Flyer point for every $1 spent on your premiums.
Basic, Bronze and Silver policies are competitively priced, around the same cost as cover from big funds like Medibank and HCF.
Cons
Its basic extras policy includes major dental, but at $33.05 per month, it's also not the lowest-priced extras option.
Look elsewhere if you want a not-for-profit.
Qantas Health Insurance is issued by nib. That's not necessarily a bad thing, but it could be important for your decision.
*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.
Qantas health insurance: Our verdict
Qantas health insurance is issued by nib, Australia's fourth-largest health fund. As you'd expect, you earn Qantas Points when you sign up, get 1 point for every $1 premium spent and up to 20,000 points every year you stay active with the app.
Sign-up deals with Qantas Health Insurance for September 2021
DealVERIFIED
Join and earn up to 120,000 Qantas Points.
Expires 30 Nov 2021
Plus, waive the 2 & 6 month waiting periods on extras with combined Hospital and Extras cover. Issued by nib health funds. Eligibility criteria and T&Cs apply.
This is a comprehensive policy that meets the standard silver requirement and will cost you around $123 a month. With that you get treatments including:
Back, neck and spine
Blood
Heart and vascular system
The "Plus" gives you cover for a handful of extra treatments and costs around $44 more per month. The extra treatments include:
Joint replacements
Cataracts
Dialysis for chronic kidney failure
This one costs around $200 per month and is ideal for people looking to start a family. It covers all clinical categories including:
Assisted reproductive services
Pregnancy and birth
Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.
Extras coverage
Basic Extras. This fairly comprehensive extras policy costs around $34 a month and covers the basics like general dental, optical and physio, plus major dental.
Family Extras. As the name implies, this one is tailored to families, so covers you for all the basics plus orthodontics. It costs around $57 per month.
Lifestyle Extras. This comes with similar inclusions to Family Extras (dental, optical, ambulance) but doesn't include orthodontics. It costs around $58.
Active Extras. This comprehensive option costs around $74 a month and includes cover for most out of hospital services except hearing aids and glucose monitors.
Top Extras. Qantas's most comprehensive policy covers all extras services except naturopathy. It comes with generous limits ($1,000 for general dental) and costs around $108 a month.
Combined coverage
You can combine any Qantas hospital and extras insurance policy to suit your needs. When you combine policies, you can often skip 2- and 6-month waiting periods of extras.
Ambulance coverage
All Qantas hospital and extras insurance policies include cover for emergency ambulance transportation unless you live in Queensland or Tasmania, where this service is free.
Qantas health insurance complaints
We looked at the 2020 Ombudsman health insurance complaints. Here's how Qantas (whose policies are issued by nib) did:
Qantas (nib) provides pretty good customer service; it had fewer complaints than its market share.
It ranked 7th out of 19 health funds, so it doesn't have the best complaints ratio.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Qantas/nib is seventh overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.
Qantas frequently asked questions
No, Qantas Health Insurance is not not-for-profit. It's owned by Qantas, the airline, a publically traded company.
Qantas Health Insurance is issued by nib, one of Australia's largest health insurance providers.
Depending on your cover type, you'll be rewarded with a different level of frequent flyer bonus:
Gold Hospital + Top Extras (Singles). 60,000 Qantas Points. You must maintain your cover for 60 continuous days to receive the points.
Gold Hospital + Top Extras (Couples, Single Parents or Families). 120,000 Qantas Points. You must maintain your cover for 60 continuous days to receive the points.
Silver Plus and Gold Hospital Cover. 20,000 Qantas Points. To earn these points, you must complete daily and weekly challenges accessed through the app.
Additionally, you'll earn one Qantas Point for every dollar spent on premiums, no matter which policy you choose. Government rebates that reduce your premium amounts are not counted under this offer.
Yes, but Qantas gives new Health Insurance customers a complimentary Frequent Flyer membership, which usually costs $99.50.
You have a few options for lodging a claim with Qantas:
You can lodge hospital claims through the member portal on the Qantas Health 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 Health Insurance team directly on 13 49 60.
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary is passionate about helping Aussies understand their insurance policies so that they can get better value for their money.
While COVID-19 vaccinations are free in Australia, other vaccines with out-of-pocket costs can be covered by private health insurance with some extras policies.
Thanks for reaching out. Qantas Health Insurance does not belong to our panel of health insurers and we are not permitted to provide our users with personal advise or product recommendations.
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I would like to know if it’s worth changing from my teachers health to Qantas. Thank you
Hi Nellie,
Thanks for reaching out. Qantas Health Insurance does not belong to our panel of health insurers and we are not permitted to provide our users with personal advise or product recommendations.
You may, however, refer to our guides on how to maximise your extras cover. You can also learn more about switching health insurance policies for some helpful tips.
I hope this helps.
Cheers,
Liezl