Qantas Health Insurance

Qantas insurance

Qantas is an Australian airline that also provides health insurance as well as a range of financial products, including credit cards, life insurance, income protection insurance and travel insurance.

What health insurance is on offer from Qantas?

Qantas 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.

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 and emergency hospital treatment as a result of an accident.
  • Bronze Hospital: Covers everything above plus a range of additional procedures including bone, joint and muscle treatment; chemotherapy; skin and diabetes management. It does not cover cataracts, cosmetic surgery and assisted reproductive services among other things.
  • Silver Hospital: Covers everything that basic and bronze hospital policies include, plus procedures like implantation of hearing devices and back neck and spine services. However some of the exclusions include dialysis for chronic kidney failure, pregnancy and birth services and joint replacements.
  • Silver Plus Hospital: A more comprehensive cover option where the only exclusions compared to the Gold policy are pregnancy and birth, and assisted reproductive services. Also excludes cosmetic surgery and procedures that are not covered by Medicare.
  • Gold Hospital: The most comprehensive hospital cover that Qantas offers. Qantas says this cover is ideal for people wanting to start a family, with inclusions such as pregnancy and birth and assisted reproductive services. The only exclusions are cosmetic surgery and procedures that are not covered by Medicare, according to Qantas.

Qantas also offers the following extras policies that are available to be combined 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.
  • 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, chiro and osteo, and podiatry and orthotics.
  • 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. The limits for physio, chiro and osteo services are combined, plus it offers higher dental limits compared to 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 service, orthodontia and home nursing among other things.

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Qantas Health Insurance FAQs

Before taking out a health insurance policy, you may first want to compare your options with Canstar.

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If you decide to take out Qantas Health Insurance, you can get a quote on Qantas’ website by selecting your policy inclusions and extras or over the phone.

You can manage your Qantas policy by logging into the Qantas Insurance online Member portal using your Qantas Frequent Flyer login details. You can also manage your health insurance via the Qantas Wellbeing mobile app which is available for both iOS and Android. 

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 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.

All of Qantas’ Extras packages offer a rebate on general and major dental services. The Basics, Family and Lifestyle Extras currently provide a 60% rebate up to an annual limit of $600 each for general and major dental services, at the time of writing. The Active Extras provides a 65% rebate up to $700 per year for general dental and up to $1,000 for major dental. The Top Extras provides a 75% rebate for general dental up to $1,000 per year, up to $1,300 for major dental and up to $800 for orthodontia.

All Qantas Extras packages provide a rebate for preventive dental services up to no limit.

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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 online 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.

At the time of writing, Qantas does not offer Overseas Student Health Cover (OSHC). If you are an international student coming to Australia on a study visa, you can compare OSHC policies available in Australia with Canstar:

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At the time of writing, Qantas does not offer Working Visa Health Cover (OVHC). However, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for one of Qantas’s policies. 

Compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

Qantas was founded in central Queensland in 1920 as the Queensland and Northern Territory Aerial Services Limited and is now one of Australia’s largest domestic and international airlines. Qantas Health Insurance is issued by nib health funds.

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Written by: Eliza Parry-Okeden | Last updated: October 25, 2019