Qantas Health Insurance Australia

What health insurance is on offer from Qantas?

Qantas is an Australian airline that also offers health insurance, as well as a range of other financial products including credit cards, car insurance, home insurance and travel insurance.

Qantas health insurance is underwritten by nib, and offers a variety of health insurance policies that are designed to suit singles, couples, families or single parent families. These policies can provide hospital-only cover, extras-only cover, or a combination of hospital and extras. Read more about what’s generally covered by Gold, Silver, Bronze and Basic hospital cover, as well as extras policies.

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Hospital Cover

At the time of writing, Qantas offers the following levels of hospital only cover:

Basic Hospital

This option covers basic hospital services such as dental surgery, the removal of tonsils, adenoids and grommets, and joint reconstructions, among other medical procedures. It also includes emergency ambulance transport (excluding Queensland and Tasmania, where residents are covered by their state government) and emergency hospital treatment within 72 hours of an accident.

Bronze Hospital Plus

Provides Basic Hospital cover, plus a range of extra procedures including bone, joint and muscle treatment, chemotherapy, skin-related treatments and diabetes management.

Silver Hospital

Covers everything in the Basic and Bronze hospital policies, plus procedures such as implantation of hearing devices and back, neck and spine services. However, some of the exclusions include pregnancy and birth services, cosmetic surgery and assisted reproductive services.

Silver Plus Hospital

A more comprehensive cover option where the only exclusions compared with the Gold policy are pregnancy and birth, weight loss surgery and assisted reproductive services.

Gold Hospital

Qantas’ most comprehensive hospital cover option, with cosmetic surgery and procedures not covered by Medicare the only exclusions.

Extras Cover

Qantas also offers the following Extras policies, available either on their own or in combination with Qantas hospital cover:

Basic Extras

Provides a 60% rebate up to an annual limit for a variety of extras. These include general and major dental, optical, physiotherapy and pharmaceutical prescriptions. There is no limit for emergency ambulance services (excludes Queensland and Tasmania).

Family Extras

Provides a 60% rebate up to an annual limit for extras that Qantas says are intended for a growing family, including preventative tests, chiropractic and osteopathy, and podiatry.

Lifestyle Extras

Provides a 60% rebate up to an annual limit on services that Qantas says help you look after your overall health and wellbeing, including dietary advice, gym memberships and personal training, and psychology.

Active Extras

Provides a 65% rebate up to an annual limit for services including occupational therapy and exercise physiology. This policy offers higher limits for extras such as dental and physio, compared with the Qantas Basic, Family and Lifestyle Extras policies.

Top Extras

Provides a 75% rebate on a more extensive range of services, up to higher annual limits. These services include antenatal and postnatal services, orthodontics and home nursing, among other things.

How do I join Qantas?

If you decide to take out Qantas health insurance, you can get a quote on Qantas’ website or over the phone. You’ll need to select your desired policy inclusions and extras. If you request hospital cover as part of your policy, you may be asked what tier of cover you would like.

To help you find a health insurance policy that satisfies your budget and desired level of coverage, you may want to first compare your options with Canstar.

Can I manage my Qantas policy online?

You can manage your Qantas health insurance policy by logging into the ‘Manage your policy’ self-service portal on the Qantas website. From here, you will be able to see details of your coverage, make an extras claim, update your information and manage your payments.

You can also manage your health insurance via the Qantas Wellbeing mobile app, which is available for both iOS and Android, though using its website you may be able to access a wider range of services.

Can I earn Qantas rewards points through its health insurance?

Qantas says that money spent on your premium can also earn rewards points, which are redeemable on a variety of expenses including flights, hotel and travel and shopping. At the time of writing, every dollar spent on a Qantas health insurance premium earns one Qantas Point. You must be a member to benefit, and fees may apply.

You can also earn Qantas Points via the Qantas Wellbeing app by reaching certain exercise targets. The Qantas Wellbeing app tracks everyday activities such as walking and cycling, and provides access to discounts and special offers from partnering companies.

How do I lodge a claim with Qantas?

Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim.

You can make a claim by logging into the Qantas Member portal or via the Qantas Wellbeing App and following the prompts. Contact Qantas Insurance or visit the Qantas Insurance website if you need assistance.

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