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Qantas Health Insurance Review

Megan Fraser
Megan Fraser Updated: 05 February 2021
Types of Health Insurance

Qantas offers customers a range of health insurance products including health insurance. Their products include 5 Hospital, 5 Extras cover options and 3 packaged family plans that combine popular Hospital and Extras policies. By making smart lifestyle choices, members also have the option to earn Qantas Points.

You might be considering purchasing a health insurance policy from Qantas before your 31st birthday to avoid the Lifetime Health Cover (LHC) loading. Or you may be looking for new health coverage because you’re unhappy with your current cover. Whatever the reason, it’s important to compare your options and find the right cover for your requirements. Learn more about the pros and cons of Qantas’ health insurance to determine whether they’re right for you.

ComparingExpert does not currently have access to this provider. Visit Qantas.com/au to request a quote and compare their price and benefits to the Australian life insurance brands we have access to.

Pros and cons of Qantas assure health insurance

ProsCons
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.
Are you under 30? You may be eligible for an aged based discount of up to 10% on your Hospital premium, depending on your age.Pregnancy and birth-related hospital services are only available through the Qantas Gold Hospital option.
Get up to 75% rebate 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 130,000 Qantas points.Podiatric Surgeon fees for services provided in the hospital are 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.

Is Qantas health insurance worth it?

Qantas health insurance offers members Hospital cover from $109.99 per month, and Extras from $43.47 monthly. They also provide packaged bundles which are designed specifically with families in mind. Whether this is insurer offers its members good value typically depends on your unique requirements. Examine all of the determining factors, like cost, benefits, waiting periods, excesses and exclusions to decide if this insurer is right for you.

Qantas Hospital Cover

PlanCost per monthBenefitsExclusionsRestricted cover
Basic: Minimise out-of-pocket expenses for hospital-related fees with this basic hospital plan available to couples, families and single-parent families.$109.99 Dental surgery, Gastrointestinal endoscopy, Gynecology, Hernia and Appendix, joint reconstructions; miscarriage and termination of pregnancy, Tonsils, adenoids and grommets.28 Hospital clinical categories are excluded; this includes blood, cataracts, pregnancy, insulin pumps, etc.
  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation
Bronze: An affordable option covering in-hospital treatments when admitted to a hospital because of an accident.$124.61 Cover for 26 different categories. Cover includes all benefits from the Basic plan and other treatments like pain management, insulin pumps, sleep studies, etc.Exclusions on 9 categories, including hearing device implants, cataracts, and assisted reproductive services.
  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation
Silver: Mid-range cover offered by Qantas for hospital treatment benefits.$156.3931 clinical categories are covered, includes cover for the male reproductive system, rehabilitation and cancer treatment.
  • Assisted reproductive services
  • Cataracts
  • Dialysis for chronic kidney failure
  • Joint replacements
  • Pregnancy and birth
  • Weight loss surgery
  • Hospital psychiatric services
Silver Plus: This plan covers nearly all in-hospital services listed in Qantas Health, excluding pregnancy and birth-related services.$209.43Provides cover for 35 clinical categories including cataracts, dialysis, joint replacements and weight loss surgery.
  • Assisted reproductive services
  • Pregnancy and birth
  • Hospital psychiatric services
Gold: A complete cover health plan, considered to be ideal if you’re a couple, a single parents or planning a family.$249.42Comprehensive cover for all 38 clinical categories. None None

Source: Privatehealth.gov.au January 2021 (Estimates for singles cover in NSW with a $500 excess)

Qantas Assure Extras

PlanCost per monthBenefitsExclusions
Basic: Affordable Extras cover, that pays for a few general treatments.$43.47 Cover for 6 general Extras treatments, including General and Major dental, endodontic, optical, non-PBS pharmaceutical and physiotherapy.
  • Acupuncture
  • Blood glucose monitors
  • Chiropractic
  • Hearing aids
  • Orthodontic
  • Podiatry
  • Psychology
  • Remedial massage
Family: This plan covers the family unit for various everyday needs and provides for the family’s growth.$75.47 Provides cover for 17 different general treatments. Includes podiatry, acupuncture, remedial massage and speech therapy.
  • Blood glucose monitors
  • Hearing aids
  • Psychology
Lifestyle: The Lifestyle plan allows for Extras services that help you look after your overall health and well-being.$77.14 Offers cover for 16 treatment categories and includes osteopathy, Chinese medicine, health management and dietetics.
  • Blood glucose monitors
  • Hearing aids
  • Orthodontics
Active: If you lead an active lifestyle, then this Qantas plan is for you. You’ll receive support with specific Extras treatments and services.$98.31 Covers 18 treatment categories and includes benefits for exercise physiology, Orthotics and occupational therapy.
  • Blood glucose monitors
  • Hearing aids
  • Orthodontics
Top: An extensive range of services with higher annual limits best suited to couples, families and single parents.$143.90 26 general Extras treatment categories are covered, and you’ll have access to home nursing, Ante-natal classes, blood glucose monitors, orthodontics, and hearing aids.
  • Other treatments outlined by the provider

Source: Privatehealth.gov.au January 2021 (Estimates for singles cover in NSW)

Family bundles

Qantas offers family health insurance policies with families in mind. These cover the cost of the whole family’s healthcare needs from dental check-ups to specs for the kids and in-hospital treatments. Choose the Qantas level and combination that suits your needs and your pocket by combining your choice from the Hospital plans with your choice of Extras plan.

How do you earn Qantas health rewards?

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 Well-being App, and completing activities like walking, going to the gym and participating in the Sleep Health Challenge.

A 45-minute cycle to work every day for a week can earn you up to 140 points while walking the dog for an hour every evening for a week will add 180 points to your tally. Making use of partner offers gives you points too. Train your way to up to 4 000 Qantas Points with Centre, or get up to 20 000 points for eating smarter with HelloFresh.

Frequently asked questions and answers

  • How to claim Qantas health insurance?

    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.
  • Does Qantas health insurance offer good value?

    Whether this insurer offers good value typically depends on your specific requirements. When deciding to join or switch to Qantas or any other service provider, it is essential to identify your unique needs, lifestyle and budget requirements to guide your decision.
  • Does nib own Qantas health insurance?

    No, Qantas Health Insurance is issued by nib health funds who are a registered private health insurer. Health cover is however arranged by Qantas Airways Limited.
  • Who underwrites Qantas health insurance?

    nib Health fund is the underwriter for Qantas health insurance products. As such, all nib’s usual fund rules, benefits and claiming requirements apply to Qantas Assure customers.
  • How to cancel Qantas health insurance?

    If you’ve decided to cancel your Qantas health insurance policy, you can do so at any time. Simply contact Qantas to submit your request.

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