Qantas Health Insurance

Qantas Health Insurance review

Our verdict: Qantas health insurance could be good if you need comprehensive cover and you get 60,000 points on sign-up.

1.0 ★★★★★ (1 review) Write a review

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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.

Good value Qantas policies

These are some good value hospital policies from Qantas, one each from the Bronze, Silver and Gold tiers.


*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.

Qantas is good if:

  • You're after reasonably priced health insurance.
  • You want to earn Qantas Points on your premiums.

Qantas is not great if:

  • You want a very basic extras policy.
  • You're after a not-for-profit.

Review by our insurance writer Gary Hunter.

Compare all policies from Qantas

Sign-up deals with Qantas Health Insurance for September 2021

Deal VERIFIED

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.

What types of health insurance does Qantas offer?

Hospital icon

Hospital Coverage

Basic and Bronze cover

At around $85.94 a month, this policy goes above standard basic requirements covering you for treatments including:
  • Dental Surgery
  • Tonsils, adenoids and grommets
  • Hernia and appendix

This one will set you back around $98.18 a month. It also goes above the standard requirements for a bronze policy. Cover includes:

  • Bone, joint and muscle
  • Brain and nervous system
  • Kidney and bladder

Silver and Gold cover

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 icon

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.

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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 icon

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

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2 Responses

    Default Gravatar
    NellieJuly 8, 2017

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

      Default Gravatar
      LiezlJuly 8, 2017

      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

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