Qantas Health Insurance Review
Qantas Health Insurance provides you with a range of Hospital and Extras policy options. Members have the opportunity to earn Qantas points when joining and using the Wellbeing App. However, the amount of points you'll get depends on the health insurance policy you purchase.
Before you decide to join or switch, you might want to request a Qantas Health Insurance quote and compare their offering to other major brands in Australia.
Pros and Cons of Qantas Health Insurance
| Advantages | Disadvantages |
|---|---|
| Backed by nib, one of Australia’s fastest growing health funds. | If you attend a hospital that's not on their list of Agreement Hospitals, you must pay the difference between the hospital’s total charge and the benefit payable by the health fund. |
| Members under the age of 30 may be eligible for an aged based discount of up to a maximum of 10%, deepening on your age. | Pregnancy and birth related hospital services are only available through the Qantas Gold Hospital option. |
| Up to 75% on Extras, depending on the policy purchased. | Doctors and specialist’s administration and booking fees are not payable by the company’s Medigap Scheme. |
| Members can earn up to 110,000 Qantas points. | Podiatric Surgeon fees for services provided in the hospital is not payable by the fund |
| Improve your health and earn more Qantas points with their Wellbeing App. | You will not be covered for a private room in a hospital when it’s for a same-day procedure. |
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Hospital cover
Qantas Hospital cover pays for treatments received in-hospital. The level of protection you'll receive depends on which of the 5 hospital policies you've chosen (updated July 2019). As a minimum, all hospital policies provide restrictive cover for hospital psychiatry, rehabilitation and palliative care.
Take note: You can generally select an Excess of $250, $500 or $750. The higher your Excess, the lower your premium will typically be. No excess is payable for dependent children under the age of 21.
Basic Hospital
The most affordable option, providing in-hospital treatments and surgeries when admitted to a hospital because of an accident, including:
- 5,000 Qantas points when joining or switching.
- Accidental injuries.
- Emergency ambulance transport.
- Removal of appendix, tonsils, adenoids and gallstones.
- Gynaecological services.
- Joint investigations and reconstructions.
- Colonoscopies and gastroscopies.
- Dental surgery.
- Hernia repair.
- Grommets in ears.
Bronze Hospital
Includes all the services in the Basic option, but is slightly more expensive because it also includes:
- 10,000 Qantas points when joining or switching.
- Diabetes management and insulin pumps, respectively.
- Medically necessary plastic and reconstructive surgery.
- Treatments for cancer and benign tumours.
- Male sterilisation, circumcision and prostate cancer.
- Investigation and treatment of brain and brain-related conditions, for example, stroke and head injury.
- Bone, joint and muscle investigations and treatments, including carpal tunnel and fractures.
- Blood clotting disorders and bone marrow transplant.
- Investigation and treatment of digestive system, including irritable bowel syndrome.
Bronze Plus Hospital
Provides coverage for everything listed in the Bronze Hospital option, as well as:
- 15,000 Qantas points when joining or switching.
- Full coverage for palliative care and rehabilitation.
- Heart procedures, for example, pacemaker and stent insertions.
- Implantation of hearing devises.
Silver Plus Hospital
Covers nearly all in-hospital services listed in Qantas Health, excluding pregnancy and birth related services. However, it does offer coverage for:
- 20,000 Qantas points when joining or switching.
- Surgeries to replace hip, knee and shoulder joints.
- Cataract surgery.
- Dialysis for chronic kidney failure.
- Investigation and treatment of back, neck and spine.
- Weight loss surgery.
Gold Hospital cover
The most comprehensive Hospital policy is generally suited to people looking to start or expand their family because it includes:
- 20,000 Qantas point when joining or switching.
- Pregnancy and birth-related services.
- Infertility investigations (IVF and GIFT).
- Full hospital psychiatric services.
Important: The information above is based on the Qantas insurance website in July 2019.
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Qantas Health Insurance Extras
Health insurance Extras provides a benefit payment for general treatments received outside of the hospital. With Qantas Health, you have the choice between 5 options to suit your unique requirements and budget.
Extras with a 60% rebate up to your limit
| Extras cover | Basic Extras | Family Extras | Lifestyle Extras |
|---|---|---|---|
| Qantas Points | 5,000 | 10,000 | 15,000 |
| Emergency ambulance transport | |||
| General dental | $600 | $600 | $600 |
| Major dental | $600 | $600 | $600 |
| Orthodontics | $350 | ||
| Optical | $250 | $250 | $250 |
| Physiotherapy | $350 | $350 | $350 |
| Chiropractic | $150 | $300 | |
| Podiatry | $200 | $200 | |
| Pharmaceutical prescriptions | $100 | $150 | $150 |
| Psychology | $300 | ||
| Antenatal & Postnatal services | $200 | ||
| Hearing aids | |||
| Home nursing |
Qantas Comprehensive Extras
| Extras cover | Active Extras | Top Extras |
|---|---|---|
| Percentage rebate up to your limit | 65% | 75% |
| Qantas Points | 17,000 | 20,000 |
| Emergency ambulance transport | ||
| General dental | $700 | $1000 |
| Major dental | $1000 | $1300 |
| Orthodontics | $800 | |
| Optical | $250 | $350 |
| Physiotherapy | $750 | $600 |
| Chiropractic | $400 | |
| Podiatry | $250 | $400 |
| Pharmaceutical prescriptions | $100 | $500 |
| Psychology | $300 | $500 |
| Antenatal & Postnatal services | $250 | |
| Hearing aids | $1200 | |
| Home nursing | $200 |
Health Insurance waiting periods
- Ambulance services: 1 Day
- Accidental Injury: 1 Day
- Dental (General): 2 months
- Dental (Major): 12 months
- Hearing aids: 36 months
- Optical: 6 months
- Physiotherapy: 2 months
- Pregnancy and birth-related services: 12 months
- Pre-existing conditions: 12 months
- Rehabilitation & Palliative care: 2 months
How to earn points with Qantas Health Insurance?
When joining or switching to Qantas Health Insurance, you can earn up to 110,000 points, depending on the type and level of coverage you purchase. The standard Qantas earn rate is 1 point per $1 premium paid. You can further earn up to 20,000 points per year using their Wellbeing App, and completing activities like walking, going to the gym and participating in the Sleep Health Challenge.
You can monitor your level of activity using your smartphone or wearable device: Apple watch, Fitbit and Garmin.
Qantas health insurance points cap
Source: Qantas Assure Website Terms of Use
Frequently asked questions and answers
Can I switch my existing policy to Qantas Health Insurance?
Yes, you can switch to Qantas Health at any time. Qantas will even contact your current private health insurance provider and take care of your cancellation.
However, when switching the waiting periods applied by your previous fund will carry over if you have not yet served the allocated time. However, you'll only have to re-serve waiting periods, for the increased amount of coverage, when switching to a policy with higher benefits. Benefit limits already used will also apply to your new plan.
How to lodge a Qantas Assure claim?
You can claim Extras benefits using your Member Card or by calling the company directly. When claiming, be sure to quote your Member number on the front of the card. When admitted to hospital, your claim must be submitted to Medicare before you send it to Qantas.
Who underwrites Qantas Assure Health Insurance?
Health insurance policies issued by Qantas are underwritten by nib private health fund. Qantas Airways Limited ABN 16 009 661 901 is an authorised agent of nib and can thus promote and distribute health insurance on behalf of nib under the Qantas brand. Meaning, Qantas acts as an authorised agent and is paid a commission by nib for promoting and distributing their health insurance products.
Is Qantas health insurance any good?
Whether the Qantas health fund offers good value for money depends on your unique requirements. For example, where in Australia you live, your stage of life and what you can afford.
Do not be swayed by the possibility of earning Qantas points; first and foremost, determine if the health cover suits you and your family's requirements.
How much does Qantas health insurance cost?
How much your Qantas health insurance policy will cost generally depends on the option you've selected to purchase, where in Australia you live and whether you'll pay weekly, fortnightly, monthly, quarterly, half-yearly or yearly.
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14 Comments
Do any of the NIB health insurance packages provide natural health claims, for example, naturopath, acupuncture, homoeopathic services?
Hello Sharon,
As you might already know, from 1 April 2019 private health insurance companies no longer need to include natural therapy services in their Extras policies. According to the Australian Government Department of Health, this is one of the changes implemented with the intention of reducing private health insurance premiums.
However, currently, many Nib Extras policies still offer coverage for Natural Therapies, but only for consultations and benefit limits differ depending on the policy you choose:
– NIB Top Extras
– NIB Premium Extras
– NIB Core Plus, Family & Wellbeing Extras
– NIB Core Plus, Wellbeing & Young at Heart Extras
– Qantas insurance Top Extras
Please call 1300 786 328 for a specialist to assist you.
How much per fortnight for a family of 3 for health insurance with Qantas?
Hello Harry, thanks for reaching out.
To provide a quote we need a bit more information, for example, the state you live in and the type of services you’re looking for.
Qantas currently provides a Budget Family policy, Mid Family plan, and Settled Family policy for health insurance. If you like, you can give our specialists a call on 1300 795 560 to help you compare policies from other significant health insurance companies, which you can then compare to Qantas offering.
You don’t need to be a QFF member to join.
The QFF join fee is waived upon joining
Hi Allan. Thanks so much for the heads up.
I have added this article to be updated asap.
Hi, I have been considering switching to Qantas health insurance but I have 2 questions
1) How does the 75% rebate on extras cover work? is this only for the first year?
2) The silverplus and top extras I am looking at will come with a bonus of 80,000 qantas points, I assume this is a family package and not per person?
Hello James. Thanks for your questions.
1. For a Qantas Top Extras policy, you’ll receive 75% back on the cost of the general treatments listed in your policy, up to your annual limit. Generally, annual limits reset each year on the 1st of January.
2. As a single person purchasing a Silver Plus Hospital policy with Top Extras, you’ll earn 40,000 Qantas points as a sign-on bonus, as per their website July 2019.
Hello. We are looking for a family package for insurance. Three family members have medicare and one does not qualify for medicare based on visa status. Is that a problem for claims as I saw that claims needed to go to medicare first.
Also, where can I see a list of the approved hospitals?
Hi Jackie.
To provide quotes, you’ll generally need to provide a bit more information, for example, are all of your family members in Australia on visa, ore only the one member that doesn’t qualify for medicare. Also, in which state in Australia will you be living and what type and level of coverage are you looking for? While we do not offer quotes from Qantas health insurance, you can contact them via email at [email protected] or call 1300 472 189 to get a list of agreement hospitals. You might want to compare their offering with other major health insurers in Australia.
Can I join only extra cover insurance ?
Hi Chuttara.
Yes, you can generally purchase a stand-alone Extras-only policy from Qantas. For example. Qantas Basic Extras, Family Extras, Lifestyle Extras, Active Extras or Qantas Top Extras. Please take note that Extras cover does not exempt you from the Medicare Levy Surcharge loading or Lifetime Health Cover loading, you’ll need a Hospital policy for that.
Hi
I am considering changing from Teachers Health to Qantas Heath. I am planning to have both knees replaced in Sep 2020 due to old age and osteoarthritis. Is osteoarthritis classed as a pre-existing condition?
Hi Philip.
Generally, yes, osteoarthritis will be considered as a pre-existing condition. Joint replacements and reconstructions will thus generally require you to serve a 12 month waiting period. You might want to first contact Teachers Health and enquire if your current policy includes joint replacement and reconstruction and what the benefit limit is.