Review Qantas Assure Health Insurance and Wellbeing App

Published: October 4, 2018

You might have heard about Qantas Assure life insurance and income protection products, but did you know they also provide private health insurance?

Qantas health insurance is issued by nib private health funds, providing frequent flyer members with a choice of Hospital only, Extras only or combined health insurance coverage, like the Family Bundles option. Qantas health fund members will also have the opportunity to earn Qantas points when purchasing a Qantas health insurance policy and participating in their wellbeing program.

However, before you decide to join or switch private health insurance providers, review what Qantas assure has to offer and compare their policies to other leading health insurance companies in Australia.

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How Qantas and nib health insurance teamed up

In March 2016 Qantas, Australia's national airline, partnered with nib health funds limited ABN 83 000 124 381 (nib) to launch private health insurance cover to its 12 million frequent flyers, offering Qantas frequent flyer points as part of their membership. Meaning, Qantas acts as an authorised Agent and is paid a commission by nib for promoting and distributing their health insurance products.

If you purchase a combined Hospital and Extras Qantas Assure health insurance policy before 31 October 2018 you can earn up to 100,000 Qantas points.

Qantas health insurance review: Pros and cons

Advantages Disadvantages
Backed by nib, one of Australia’s fastest growing health funds. Must be a Qantas frequent flyer member to join the health fund.
General treatment limits of up to 75% for Extras, instead of set price limits. Pregnancy and birth related hospital services are only available through the Qantas Top hospital cover option.
Their wellbeing program rewards you with Qantas points when staying active and meeting challenges. A 36-month standard waiting period for hearing aids and Cochlear speech processors.
Children between the ages of 21 and 25 years can remain on their parents cover for an additional fee if full-time students and registered as a ‘Student Dependent', unmarried and not in a de facto relationship Must be an Australian citizen and permanent resident or entitled to full reciprocal rights under Medicare to purchase coverage.

Qantas hospital cover

Qantas assure hospital cover pays for treatments received in-hospital when Medicare recognizes services, and you've served all relevant waiting periods. The level of protection you'll receive depends on which of the 5 hospital only option you've chosen.

Important; Basic, Basic Plus and Mid hospital options are only available on an excess payment of $500.

Basic

Most affordable option, providing in-hospital treatments and surgeries when admitted to a hospital because of an accident. Also includes coverage for:

  • 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

Limited coverage, with a 2-month waiting period, is also provided for rehabilitation, palliative care and psychiatric services.

Basic Plus

A bit more expensive than the Basic option, but also includes brain surgery, cancer surgery, and stroke treatment.

Mid hospital

No excess is payable for dependent children under the age of 21. Provides coverage for everything included in the Basic Plus option, as well as:

  • Surgeries to replace joints in the shoulder, elbow and ankle. Excluding hip and knee joints.
  • Rehabilitation and palliative care.
  • Heart procedures, for example, pacemaker and stent insertions.
  • Cochlear implants

Psychiatric services are covered to a limited extent.

Advanced vs Top Hospital cover

With both options, you have the choice between a $250 or $500 excess. The most significant difference between these two options are that:

Advanced coverage is a bit cheaper because it does not include over for pregnancy related services: Infertility investigations, IVF and GIFT, and child birth.

Top hospital provides the most comprehensive coverage, including birth-related services and no restrictions on psychiatric treatments.

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Qantas assure extras

Qantas health insurance extras provides you with the choice between 5 options: Basic, Family, Lifestyle Active and Top.

With Basic, Family and Lifestyle you receive 60% of the cost back, up to your annual limit. Active includes a 65% rebate and Top extras 75%.

Compare Qantas extras

Extras cover Basic Family Lifestyle Active Top
Ambulance services anywhere in Australia
General dental $600 $600 $600 $700 $1000
Major dental $600 $600 $600 $1000 $1300
Orthodontics $350 $800
Optical $250 $250 $250 $250 $350
Physiotherapy $350 $350 $350 $750 $600
Chiropractic $150 $300 $400
Podiatry $200 $200 $250 $400
Pharmaceutical prescriptions $100 $150 $150 $100 $500
Psychology $300 $300 $500
Antenatal & Postnatal services $200 $250
Hearing aids $1200
Home nursing $200
Source: Qantas Assure website (Oct 2018)

From the above table, you can see that senior Australians might find more benefit in the Top extras option as it includes coverage for hearing aids and home nursing, as well as higher limits for major dental and podiatry.

If you want to start or grow your family, the Family extras or Top extras might be a better option.

Family bundles

You have the option to combine Hospital cover with General Treatments (extras) in a Family Bundles policy. However, all options include a $500 hospital excess.

Take note; Family Bundles from Qantas assure excludes all pregnancy-related services, assisted reproductive procedures and antenatal and postnatal services.

Budget family

Designed for households adhering to a strict budget. This option includes immediate and necessary in-hospital treatments required because of an accident and offers unlimited preventative dental treatment (cleanings and fluoride treatments).

Mid family

At a higher premium than the Budget family package, Mid family includes a broader range of services not offered in the Budget package, for example:

  • Heart procedures
  • Surgeries to replace shoulder, elbow and ankle joints
  • Chiro and osteo

Settled family

This combined hospital and extras option is targeted toward families wanting a higher level of coverage, for example, hip and knee replacements and back surgery, orthodontia, occupational therapy and speech pathology.

Before purchasing Qantas health insurance, be sure to know what hospital and extras services you and your family need now and might require in future.

How to earn health insurance Qantas points

Frequent flyer members that purchase a Qantas assure health policy will earn 1 Qantas Point per $1 value of the premium you pay, this excludes any Government rebate amounts that have been applied to reduce the cost of your premium. Thus, the exact number of Qantas points you can earn varies depending on the premium paid per month.

Qantas wellbeing app

Points can also be earned when you complete daily and weekly step challenges tracked using the Qantas Wellbeing App. You can earn up to 20,000 Qantas points per year when purchasing a policy with a monthly premium of $160 or more and using the App to track your activity level. You can monitor your level of activity using your smartphone or wearable device: Apple watch, Fitbit and Garmin.

Qantas health insurance points cap

Qantas Health Insurance Point Cap

Source: Qantas Assure Website Terms of Use

Frequently asked questions and answers

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 are thus enabled to promote and distribute health insurance on behalf of nib under the Qantas brand.

How can I join the Qantas Assure health fund?

To join their health fund, you first need to sign up and become a Qantas Frequent Flyer member and pay any applicable joining fees. You will then receive a membership number and pin.

When on the Qantas Assure website, navigate to the health cover option you’d like to purchase, fill in your details and click select. You can also join when calling them directly on 13 49 60.

Is Qantas health insurance any good?

Whether the Qantas health fund offers good value for money depends on your unique circumstances, for example where in Australia you live, which types of services and treatments you're looking to cover and what you can afford.

Do not be swayed by the possibility of earning Qantas points, first and foremost determine if the health cover provided suits you and your family's requirements.

How much does Qantas health insurance cost?

How much your Qantas health insurance policy will cost 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.

As of October 2018, you can expect an Extras policy to be between $72 and $288 per month depending on the option you purchase. For Qantas hospital only products, premiums vary from $179.76 to $384 per month with an excess of $500.

Can I switch my existing policy to Qantas health insurance?

Yes, you can switch to Qantas Assure health cover 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. But 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.

 

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