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Qantas Health Insurance Review

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Anneke Van Aswegen Published/updated: 11 July 2019
Types of Health Insurance

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.

ComparingExpert does not currently have access to this provider. Visit www.insurance.qantas.com/health-insurance to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

Pros and Cons of Qantas Health Insurance

AdvantagesDisadvantages
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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Need help? Call us on 1300 795 560

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 coverBasic ExtrasFamily ExtrasLifestyle Extras
Qantas Points5,00010,00015,000
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

Source: Qantas Insurance website (July 2019).

Qantas Comprehensive Extras

Extras coverActive ExtrasTop Extras
Percentage rebate up to your limit65%75%
Qantas Points17,00020,000
Emergency ambulance transport
General dental$700$1000
Major dental$1000$1300
Orthodontics$800
Optical$250$350
Physiotherapy$750$600
Chiropractic$750$400
Podiatry$250$400
Pharmaceutical prescriptions$100$500
Psychology$300$500
Antenatal & Postnatal services$250
Hearing aids$1200
Home nursing$200

Source: Qantas Insurance website (July 2019).

Health Insurance waiting periods

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

quantas graph

Source: Qantas Assure Website Terms of Use

Frequently asked questions

  • 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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Need help? Call us on 1300 795 560

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