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 Top 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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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.

Contents of this review

What are the benefits of becoming a member?
What policies are currently available?
Do I have to serve any waiting periods?
Are there any exclusions?

How do I earn the bonus rewards?
How do I make a claim?
Final information about this health insurer

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.

Hospital cover
Extras cover

Qantas Insurance hospital policies

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

Treatment	Basic Hospital	Basic Plus Hospital	Mid Hospital	Advanced Hospital	Top Hospital
Appendix removal	Covered	Covered	Covered	Covered	Covered
Assisted reproduction	No cover	No cover	No cover	No cover	Covered
Back surgery	No cover	No cover	No cover	Covered	Covered
Brain surgery	No cover	Covered	Covered	Covered	Covered
Cancer treatments (PBS approved)	No cover	Covered	Covered	Covered	Covered
Cochlear implant surgery & bone anchored hearing devices	No cover	No cover	Covered	Covered	Covered
Colonoscopies	Covered	Covered	Covered	Covered	Covered
Dental surgery	Covered	Covered	Covered	Covered	Covered
Eye treatments and surgery	No cover	No cover	No cover	Covered	Covered
Gastroscopy	Covered	Covered	Covered	Covered	Covered
Grommets in ears	Covered	Covered	Covered	Covered	Covered
Gynaecology	Covered	Covered	Covered	Covered	Covered
Heart surgery	No cover	No cover	Covered	Covered	Covered
Hernia repair	Covered	Covered	Covered	Covered	Covered
Infertility investigations	No cover	No cover	No cover	No cover	Covered
Joint investigations	Covered	Covered	Covered	Covered	Covered
Joint reconstructions	Covered	Covered	Covered	Covered	Covered
Joint replacements	No cover	No cover	Covered	Covered	Covered
Obesity surgery	No cover	No cover	No cover	Covered	Covered
Palliative care	Covered	Covered	Covered	Covered	Covered
Pregnancy and birth-related services	No cover	No cover	No cover	No cover	Covered
Psychiatric treatment	Covered	Covered	Covered	Covered	Covered
Rehabilitation	Covered	Covered	Covered	Covered	Covered
Removal of gallstones	Covered	No cover	Covered	Covered	Covered
Renal dialysis	No cover	No cover	No cover	Covered	Covered
Stroke treatment	No cover	Covered	Covered	Covered	Covered
Tonsil and adenoid removal	Covered	Covered	Covered	Covered	Covered
All other non-excluded Medicare services	No cover	Covered	Covered	Covered	Covered
Cosmetic surgery	No cover	No cover	No cover	No cover	No cover

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.

Treatment	Basic Extras (60%)	Family Extras (60%)	Lifestyle Extras (60%)	Active Extras (65%)	Top Extras (75%)
Ambulance	Covered	Covered	Covered	Covered	Covered
Antenatal and postnatal classes	No cover	Covered	No cover	No cover	Covered
Chiropractic	No cover	Covered	Covered	Covered	Covered
General dental	Covered	Covered	Covered	Covered	Covered
Major dental	Covered	Covered	Covered	Covered	Covered
Preventative dental	Covered	Covered	Covered	Covered	Covered
Dietary advice	No cover	No cover	No cover	Covered	Covered
Exercise physiology	No cover	No cover	No cover	Covered	Covered
Eye therapy	Covered	No cover	No cover	No cover	Covered
Health aids	No cover	Covered	Covered	Covered	Covered
Healthy living programs	No cover	No cover	Covered	Covered	Covered
Hearing aids and speech processors	No cover	No cover	No cover	No cover	Covered
Home nursing services	No cover	No cover	No cover	No cover	Covered
Natural therapies	No cover	Covered	Covered	Covered	Covered
Occupational therapy	No cover	No cover	No cover	Covered	Covered
Optical appliances	Covered	Covered	Covered	Covered	Covered
Orthodontics	No cover	Covered	No cover	No cover	Covered
Osteopathy	No cover	No cover	No cover	Covered	Covered
Pharmaceutical prescriptions	Covered	Covered	Covered	Covered	Covered
Physiotherapy	Covered	Covered	Covered	Covered	Covered
Podiatry	No cover	Covered	Covered	Covered	Covered
Preventative tests	No cover	Covered	Covered	Covered	Covered
Psychology	No cover	No cover	Covered	Covered	Covered
Speech therapy	No cover	Covered	No cover	No cover	Covered

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
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	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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2 Responses

NellieJuly 8, 2017

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

Reply
- LiezlJuly 8, 2017
  
  Hi Nellie,
  
  Thanks for reaching out. Qantas 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
  
  Reply

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