About Qantas Health Insurance
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.
Qantas Health Insurance cover options
Hospital Cover
Qantas offers a range of hospital cover levels to suit different needs:
- Basic Hospital – Covers essential hospital services such as dental surgery, tonsil/adenoid/grommet removal, joint reconstructions, and emergency hospital treatment within 72 hours of an accident. Emergency ambulance included (except in Queensland and Tasmania).
- Bronze Hospital Plus – Includes Basic Hospital cover plus additional procedures like bone, joint and muscle treatment, chemotherapy, skin treatments, and diabetes management.
- Silver Hospital – Builds on Bronze, adding procedures such as hearing device implantation and back, neck, and spine services. Exclusions: pregnancy/birth, cosmetic surgery, assisted reproductive services.
- Silver Plus Hospital – More comprehensive; only excludes pregnancy/birth, weight loss surgery, and assisted reproductive services compared with Gold.
- Gold Hospital – The most extensive hospital cover; cosmetic surgery and procedures not covered by Medicare are the only exclusions.
Extras Cover
Extras policies can be taken alone or combined with hospital cover:
- Starter Extras – 60% rebate for services such as optical, physiotherapy, preventative dental, and emergency ambulance (no limit; excludes QLD & TAS).
- Basic Extras – 60% rebate on general/major dental, optical, physiotherapy, pharmaceuticals, and emergency ambulance (no limit; excludes QLD & TAS).
- Family Extras – 60% rebate on family-focused services, including preventative tests, chiropractic, osteopathy, and podiatry.
- Active Extras – 65% rebate on services like occupational therapy and exercise physiology; higher limits for dental and physio compared with Basic, Family, and Lifestyle.
- Top Extras – 75% rebate on a broad range of services including antenatal/postnatal care, orthodontics, home nursing, and more, with higher annual limits.
How Qantas Health Insurance Works
QHI provides two main types of cover:
- Hospital cover: Helps cover costs of treatment and accommodation in a public or private hospital. Policies range from Basic to Gold, with increasing scope of services.
- Extras cover: Covers services such as dental, optical, physiotherapy, and more, with rebates of 60%–75% depending on the plan.
Customers can claim online, via the Qantas Health Insurance app, or at HICAPS-enabled providers. Waiting periods may apply for certain services or when switching plans.
Benefits of Qantas Health Insurance
- Earn Qantas Points: 1 point per $1 spent on premiums; additional points available through promotional offers or the Qantas Wellbeing App.
- Flexible coverage: Multiple tiers for hospital and extras, tailored to different needs and budgets.
- Recognised waiting periods: In many cases, previous waiting periods from other funds are acknowledged when switching.
- Digital claims & management: Make claims and manage your policy through the app or online portal.
- Extras & ambulance coverage: Rebates for extras services and emergency ambulance transport where not fully covered by state schemes.
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.
FAQs about Qantas Health Insurance
Yes, Qantas’ Basic Extras, Family Extras, Lifestyle Extras, Active Extras and Top Extras policies all include some cover for general dental and major dental. The limits vary across the plans, with Top Extras having the largest limits. Additionally, Qantas’ Basic Hospital, Bronze Hospital Plus, Silver Hospital, Silver Plus Hospital and Gold Hospital and higher-tier policies include cover for dental surgery.
Qantas’ Basic Extras, Family Extras, Lifestyle Extras, Active Extras and Top Extras policies include cover for physiotherapy services. The limits vary across the plans, with Top Extras having the largest limits.
Only Qantas’ Gold Hospital policy includes pregnancy and birth cover. Some of its higher-tier extras policies also include cover for certain antenatal and postnatal services.
