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 Health Insurance, you may be eligible for the following on select covers:
Up to 50,000 bonus Qantas Points when you sign up for a Gold Hospital and Top Extras Cover for couples and families.
Up to 20,000 more Qantas Points for every year that you stay active with the Insurance App.
An option to choose a free Apple Watch with selected products to make using the Insurance App even easier.
1 bonus Qantas Point per dollar spent on premiums.
Promotions currently on offer from Qantas Health Insurance
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 Health Insurance member?
Qantas Health 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 Health 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.
You can find the waiting periods for hospital cover below this table.
Benefit
Basic
Bronze
Silver Plus
Gold
Accidental injury benefit
Yes
Yes
Yes
Yes
Emergency Ambulance Cover
Yes
Yes
Yes
Yes
Dental Surgery
Yes
Yes
Yes
Yes
Gastrointestinal Endoscopy
Yes
Yes
Yes
Yes
Tonsils, adenoids and grommets
Yes
Yes
Yes
Yes
Hernia and Appendix
Yes
Yes
Yes
Yes
Miscarriage and termination of pregnancy
Yes
Yes
Yes
Yes
Gynaecology
Yes
Yes
Yes
Yes
JointReconstructions
Yes
Yes
Yes
Yes
Hospital psychiatric services
Minimum Benefits Payable
Minimum Benefits Payable
Minimum Benefits Payable
Yes
Palliative Care
Minimum Benefits Payable
Minimum Benefits Payable
Yes
Yes
Rehabilitation
Minimum Benefits Payable
Minimum Benefits Payable
Yes
Yes
Bone, joint and muscle
No
Yes
Yes
Yes
Brain and nervous system
No
Yes
Yes
Yes
Breast surgery (medically necessary)
No
Yes
Yes
Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
No
Yes
Yes
Yes
Diabetes management (excluding insulin pumps)
No
Yes
Yes
Yes
Digestive system
No
Yes
Yes
Yes
Ear, nose and throat
No
Yes
Yes
Yes
Eye (not cataracts)
No
Yes
Yes
Yes
Kidney and bladder
No
Yes
Yes
Yes
Male reproductive system
No
Yes
Yes
Yes
Pain management
No
Yes
Yes
Yes
Skin
No
Yes
Yes
Yes
Blood
No
Yes
Yes
Yes
Lung and chest
No
Yes
Yes
Yes
Plastic and reconstructive surgery (medically necessary)
No
Yes
Yes
Yes
Podiatric surgery (provided by a registered podiatric surgeon)
No
Yes
Yes
Yes
Insulin pumps
No
Yes
Yes
Yes
Pain management with device
No
Yes
Yes
Yes
Sleep studies
No
Yes
Yes
Yes
Implantation of hearing devices
No
No
Yes
Yes
Heart and vascular system
No
No
Yes
Yes
Back, neck and spine
No
No
Yes
Yes
Joint replacements
No
No
Yes
Yes
Cataracts
No
No
Yes
Yes
Dialysis for chronic kidney failure
No
No
Yes
Yes
Weight loss surgery
No
No
Yes
Yes
Assisted reproductive services
No
No
No
Yes
Pregnancy and birth
No
No
No
Yes
Points
2,500
5,000
10,000
15,000
Benefit
Basic
Family
Lifestyle
Active
Top
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
$300 annual limit
No cover
$200 annual limit
$450 annual limit
Antenatal & Postnatal Services
No cover
$200 annual limit
No cover
No cover
$250 annual limit
Speech Pathology
No cover
$350 annual limit
No cover
No cover
$450 annual limit
Orthodontia
No cover
$350 annual limit
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
Qantas Health 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 Health 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 Health 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 Health 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 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 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 Health Insurance gives you a choice of excess options that enables you to choose a higher excess of $750 to $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 Health Insurance 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.
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 here on choosing the right health insurance policy and switching health insurance policies for some helpful tips.
Cheers,
Liezl