Qantas Health Insurance

Qantas 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.

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 (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: Covers everything above, plus a range of extra procedures including bone, joint and muscle treatment, chemotherapy, skin-related treatments and diabetes management.
Silver Hospital: Covers everything the Basic and Bronze hospital policies include, 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, according to Qantas.

Qantas also offers the following extras policies that are 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.

Read more about what’s generally covered by Gold, Silver, Bronze and Basic hospital cover, as well as extras policies.

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Qantas Health Insurance FAQs

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.

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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.

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 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.

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.

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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 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 currently in Australia on a study visa or are planning to do so in the future, 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 (also known as Overseas Visitors Health Cover or OVHC). Keep in mind, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for another local policy.

Compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

Qantas was founded in outback central Queensland in 1920. It is an Australian airline that, in addition to its travel services, also offers various financial products. Qantas offers health, car, home and travel insurance, with many of these products being underwritten by other providers. Its health insurance is underwritten by nib.