Qantas Health Insurance Review
Overall, Qantas Health Insurance offers 5 Health Insurance plans, including Silver Hospital, Bronze Hospital Plus, and Kickstart Extras, starting from AUD 19.83 per week up to AUD 3,033.19 per year.
Qantas Health Insurance provides a unique Accidental Injury Benefit with immediate hospital coverage within 1 day of an accident and exclusive access to Qantas Points to earn points through their premium payments and health activities tracked on the Qantas Wellbeing App.
| 📌 Date Established | 2016 (as Qantas Assure) |
| 📍 Headquartered | Sydney, Australia |
| 🔢 Registration Number | ABN 16 009 661 901 |
| 👤 Average Number of Members | Not specified, but holds a 52.2% market share |
| 👥 Number of Employees | 26,000+ |
| 🛡️ APRA-Regulated | ✅Yes |
| 📉 Most Recent Market Cap Reported | Not applicable (as it is under nib Holdings) |
| 📈 Average Customer Rating | 4.11/5 based on reviews |
| 📊 Average Number of Reviews | Not specified |
| 💹 Market Share | NIB has a market share of approximately 9.6% |
| 💱 Number of Plans Offered | 5 |
| 🏆 Sponsorships | Includes partnerships with frequent flyer programs |
| 📲 Mobile App Offered | Qantas Wellbeing App |
| 🖥️ Medical Claims Portal | Via the self-service portal and Qantas Wellbeing App |
| ⏰ Customer Support Operating Hours | Monday to Friday, 9 am – 7 pm AEST |
| ✏️ Information Hub and Blog | ✅Yes |
| 🩺 Chronic Illness Benefits | ✅Yes |
| 👩⚕️ Screening and Prevention Offered | ✅Yes |
| 🍼 Maternity Benefit | ✅Yes |
| 💶 Health Insurance Contribution Range (AUD) | From $19.83 per week (starting) up to $3,057.11 per year |
| ⌛ Average Waiting Period | Varies (1 day to 12 months, depending on service) |
| 🌎 Is International Medical Cover Offered | Limited coverage |
| ✈️ International Travel Benefit (AUD) | Not specified |
Qantas Health Insurance Plan Overview
| 🔎 Plan | 💶 Premium Range (Singles) AUD based on $750 Excess | 🔖 Rebate Percentage | ⏰ Average Waiting Period | 📍 Key Features |
| 🥇 Basic | $19.83/week - $1,031.84/year | 8.202% - 32.812% | 1 day to 12 months (varies) | Accidental Injury Coverage, Emergency Ambulance Transport |
| 🥈 Bronze Plus | $22.24/week - $1,157.29/year | 8.202% - 32.812% | 1 day to 12 months (varies) | Higher Hospital Coverage, Emergency Transport |
| 🥉 Silver | $28.31/week - $1,472.88/year | 8.202% - 32.812% | 1 day to 12 months (varies) | Comprehensive Hospital Services, Rehabilitation |
| 🏅 Silver Plus | $39.55/week - $2,057.41/year | 8.202% - 32.812% | 1 day to 12 months (varies) | Includes Private Room Option, Higher Rebates |
| 🎖️ Gold Top | $58.78/week - $3,057.11/year | 8.202% - 32.812% | 1 day to 12 months (varies) | Comprehensive Private Hospital Coverage, Maternity Benefits |
Qantas Health Insurance Plans – Features and Benefits Discussed
Health insurance is a significant consideration for Australian residents, as it can provide critical coverage for health services beyond what the public system may offer.
Qantas Health Insurance, backed by nib, provides several plans to cater to varying needs. Here, we break down the features of each plan to help readers find the right fit for themselves and their families.
Basic Hospital Plan
This entry-level plan offers essential coverage, making it ideal for younger members or those seeking lower premiums. It includes immediate hospital coverage for accidents, emergency ambulance transport (except in QLD and TAS), coverage for basic day surgeries and medical admissions, and in-hospital costs for overnight stays in both public and private hospitals.
| 📉 Feature | 📌 Details |
| 📈 Premium Range | Starting at AUD 19.83 per week |
| 📊 Covered Services | Accidental Injury, Day Surgery, and more |
| 💹 Exclusions | Joint Replacements, Heart Procedures |
| 🩷 Ideal For | Young Adults, Budget-Conscious Members |
Bronze Hospital Plus Plan
The Bronze Hospital Plus plan offers more comprehensive in-hospital coverage than the Basic plan, making it suitable for those who need additional care. It includes treatments for gastrointestinal issues, gynecology, and joint reconstructions. Members also benefit from accidental injury coverage within 1 day of joining, Medigap participation to reduce out-of-pocket doctor fees, and the option to choose private hospitals with cost-minimizing agreements.
| 📉 Feature | 📌 Details |
| 📈 Premium Range | Starting at AUD 22.24 per week |
| 📊 Key Covered Services | Gastrointestinal, Gynecology, etc. |
| 💹 Exclusions | Assisted Reproductive, Dialysis |
| 🩷 Ideal For | Young Families, Couples Seeking Balance |
Silver Hospital Plan
Silver Hospital coverage goes beyond basic coverage, providing services essential for many families and individuals. It includes full coverage for accidental injuries and emergency ambulance transport, extensive treatments for heart, lung, and vascular issues, hospital psychiatric and rehabilitation services after a 2-month waiting period, and full benefits for government-approved prosthetic devices.
| 📉 Feature | 📌 Details |
| 📈 Premium Range | Starting at AUD 28.31 per week |
| 📊 Key Covered Services | Heart, Lung, and Vascular Services |
| 💹 Exclusions | Pregnancy, Dialysis, Joint Replacements |
| 🩷 Ideal For | Families, Middle-Aged Members |
Silver Plus Plan
The Silver Plus plan offers more extensive benefits for those seeking extra assurance. It includes wider hospital coverage for diabetes management, chemotherapy, and reconstructive surgeries, full accidental injury benefits for immediate care within 90 days, higher annual limits on extras like physiotherapy, dental, and optical treatments, and full coverage for emergency ambulance transport.
| 📉 Feature | 📌 Details |
| 📈 Premium Range | Starting at AUD 39.55 per week |
| 📊 Key Covered Services | Diabetes, Cancer, Joint Reconstructions |
| 💹 Exclusions | Cosmetic Surgery, Weight Loss Surgery |
| 🩷 Ideal For | Families Needing Extensive Cover |
Gold Top Hospital Plan
This top-tier hospital plan provides comprehensive coverage for those seeking extensive in-hospital care. It includes pregnancy and birth support, making it perfect for expecting families, full coverage for advanced treatments like joint replacements and heart surgeries, immediate emergency benefits for ambulance and accidental injuries, and customizable premiums to adjust the policy based on budget.
| 📉 Feature | 📌 Details |
| 📈 Premium Range | Starting at AUD 58.78 per week |
| 📊 Key Covered Services | Heart Surgeries, Joint Replacements, etc. |
| 💹 Exclusions | Procedures not covered by Medicare |
| 🩷 Ideal For | Families, Expecting Couples |
Qantas Extras Cover
Here’s a breakdown of the different extras plans available:
- Basic Extras: From $8.89 per week – Covers essential services that people commonly need.
- Kickstart Extras: From $12.31 per week – Includes coverage for general and major dental, physiotherapy, chiropractic, and osteopathy.
- Family Extras: From $13.48 per week – Offers a balanced range of services, with flexibility for changing family needs.
- Active Extras: From $18.76 per week – Combines physiotherapy, chiropractic, osteopathy, and extra dental care coverage.
- Top Extras: From $26.37 per week – Provides a wider variety of services with higher annual limits for extensive needs.
These plans offer varying levels of coverage to suit different preferences and budgets.
Recent User Reviews
🥇 Rewards Program and Active Lifestyle.
The rewards program drew me to Qantas Health Insurance. I enjoy that the Qantas Wellbeing App lets me earn points for paying my premium and tracking everyday activities like walking and resting. This makes the coverage valuable for someone like me who is active and maximizes advantages. Signing up was easy, and I gained points for enrolling. It’s been rewarding in many ways. – Jane
🥈 Decent Coverage, Room for Improvement.
I joined Qantas Health Insurance almost a year ago. Customer service may be better, but dental and optical coverage is good. Answers to claim inquiries took longer than planned. I was disappointed when their premiums rose greater than expected. Overall, the policy has decent features, and collecting points is wonderful. – Marc
🥉 Mixed Results with Hidden Costs.
I had mixed results with Qantas Health Insurance. Their dental coverage saved me a lot on significant treatments, although other specifics are unclear. There were hidden out-of-pocket costs when utilizing my hospital cover. Double-check your strategy and phone beforehand to minimize surprises. – Keagen
🏅 Good Extras, but Policy Details Could Be Clearer.
I joined Qantas Health for the family extras package, which offers good dental and physiotherapy rebates. Given the points, the price was competitive. Complex policy details and exclusions might make it hard to comprehend what’s covered. Clearer information would aid buyers like myself. – Marcia
Qantas Health Insurance vs Medibank Private Health Insurance vs Bupa Private Health Insurance
| 🔎 Provider | 🥇 Qantas Health Insurance | 🥈 Medibank Private Health Insurance | 🥉 Bupa Private Health Insurance |
| 📉 Years in Operation | Since 2016 (as Qantas Assure) | Established in 1976 | Over 75 years of operation |
| 👤 Average Number of Members | Not specified; under nib umbrella, 9.6% market share | Over 4 million members | Covers over 18.5 million globally, with a substantial local base |
| 🛡️ APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 👥 Number of Employees | 26,000+ (including partnerships and subsidiaries under nib) | Over 4,000 | Significant workforce, but specific numbers not disclosed |
| 📈 Market Share | Operates under nib Holdings (with a 9.6% market share), has a 52.5% market share (more or less) | 27.1% (leading the market alongside ahm brand) | 24.9%, close second to Medibank |
| 📊 Market Coverage | Nationwide with a focus on digital tools like the Wellbeing App | Nationwide and through the subsidiary ahm | Nationwide; international presence through various services |
| 4️⃣ Customer Rating | Average rating of 4.11/5 | High customer satisfaction, often highlighted for 24/7 nurse and mental health support | Known for strong ratings in hospitals and extra coverage |
| 🫶 Number of Reviews | Thousands | Thousands, with active feedback on platforms | Overwhelming volume of reviews across various platforms |
| 📲 Mobile App | Qantas Wellbeing App | My Medibank App | MyBupa App |
| 💶 Contribution Range (AUD) | AUD 19.83 per week to AUD 3,057.11 annually, depending on the plan | Varies based on state and plan type, starting around AUD 19.83 per week | Highly variable, often determined by the level of coverage |
| 🌎 International Travel Benefit (AUD) | Limited coverage for medical emergencies while abroad | Varies; travel coverage through add-ons | Comprehensive options available through additional travel policies |
| ↪️ Market Capitalisation | Under nib Holdings (nib reported solid market position) | Listed on ASX; recent data shows over $6 billion in valuation | Not disclosed for Australian operations, operates globally under Bupa Group |
| ⭐ Top Unique Features | Qantas Points earning, Accidental Injury Cover, 24/7 Assistance via Wellbeing App | No-gap cover for specific surgeries, large hospital and extras network, 24/7 nurse support | Highest fund benefits, award-winning value, large Members First dental and hospital networks |
Advantages of Qantas Health Insurance
Choosing a health insurance provider can be tough, but Qantas Health Insurance stands out for several reasons:
- Earn Qantas Points: Members earn 1 point per $1 spent on premiums, great for frequent flyers and loyalty members.
- Gap Cover: Reduces out-of-pocket costs, especially for in-hospital doctor fees.
- Accidental Injury Cover: Immediate hospital coverage within 1 day of an accident.
- Emergency Ambulance: Included in every plan, with nationwide coverage (excluding some states like Queensland).
- Wellbeing App: Rewards members for health goals and offers easy claim submissions and health tracking.
- Advanced Coverage: Higher-tier plans include prosthetic and complex hospital treatment coverage.
- Flexible Plans: Options range from entry-level Basic to comprehensive Silver and Gold plans, tailored to different needs.
Qantas Health Insurance offers great value and flexibility for a variety of members.
Overview of Qantas Health Insurance Gap Cover
Qantas Health Insurance offers gap cover through partnerships with healthcare providers, ensuring that members have support for in-hospital medical fees not fully covered by Medicare or their health insurance policy.
Gap cover helps bridge the shortfall between the doctor’s charges and the benefits paid by Medicare and Qantas Health Insurance, reducing out-of-pocket expenses for members.
Gap cover options are categorized into no-gap and known-gap agreements. In a no-gap scenario, members pay nothing extra for in-hospital services as long as their chosen healthcare provider has an agreement with Qantas Health Insurance.
In a known-gap agreement, the member is informed about out-of-pocket costs, ensuring transparency and allowing them to budget accordingly.
Key Benefits of Gap Cover
- Members benefit from reduced or eliminated medical fees through Medigap, which ensures providers agree to predetermined fees.
- Patients are informed of out-of-pocket expenses, allowing them to manage costs efficiently.
- The program offers a wide choice of healthcare providers with pre-established agreements, improving members’ flexibility and confidence in service quality.
| 🔎 Feature | 📌 Details |
| 📉 No-Gap Cover | Full coverage for in-hospital medical fees with participating providers |
| 📈 Known-Gap Cover | Members are informed about expected costs before treatment |
| 📊 Medigap Participation | Provides access to doctors who agree to set fees, minimizing out-of-pocket costs |
| 💹 Transparency in Costs | Members receive clear details on fees and agreements in advance |
By offering no-gap and known-gap arrangements, Qantas Health Insurance provides members with predictable, manageable healthcare expenses, enhancing its hospital cover plans’ overall value and reliability.
How to apply for Gap Cover with Qantas Health Insurance
If you need gap coverage with Qantas Health Insurance, follow these steps to ensure you’re covered for out-of-pocket expenses:
- Confirm that you are eligible for gap cover based on your chosen plan.
- Gap cover is often tied to specific hospital services and providers.
- Contact Qantas Health Insurance via their customer service line or online portal.
- Depending on your current policy, you may need to fill out additional forms to include gap cover.
- Ensure you provide accurate details to avoid delays.
- Confirm with Qantas Health Insurance about any additional costs or out-of-pocket expenses that may still be applicable under the known gap arrangement.
Once approved, your updated policy will reflect the addition of a gap cover, and you’ll receive documentation confirming the details.
Qantas Health Insurance App Features
Qantas Health Insurance provides a Wellbeing App to enhance member convenience and promote healthier lifestyles. Here are the key features:
- The app features tools to help users complete health assessments, providing insights into their overall well-being.
- Members can view and manage their policy details, access benefit information, and update personal information through the app.
- Members can submit and track claims directly through the app, streamlining the medical and extra claims process.
- Access exclusive offers and discounts from Qantas Wellbeing App partners, including health-related services and products.
- Users can set fitness challenges or invite friends to join, promoting active and healthy living.
The app rewards members with Qantas Points for meeting activity goals, such as walking, cycling, or swimming.
How to apply for Health Insurance with Qantas Health Insurance
To apply for health insurance with Qantas Health Insurance, follow these steps:
1. Step 1: Visit the Website or Contact the Team
Provide basic info like your age and preferred cover level for a personalized quote.
2. Step 2: Review Cover Options
Choose between hospital and extra coverage based on your health needs and budget.
3. Step 3: Complete the Application
Fill out the form online or by phone, including your details, payment info, and Qantas Frequent Flyer number (if applicable).
4. Step 4: Confirm Details
Double-check your information and confirm your policy start date.
After processing, you’ll get an email or letter with your policy and coverage details.
How to Submit a Claim with Qantas Health Insurance
To submit a claim with Qantas Health Insurance, follow these steps:
- Have your membership card and service receipt ready.
- Log into the self-service portal with your Qantas Frequent Flyer number. Enter details for hospital claims or upload a photo of your receipt for extra claims.
- Use the Qantas Wellbeing App to submit extra claims by uploading a photo of your receipt.
For extras like dental or physio, swipe your membership card at participating providers and pay the gap directly.
How to Downgrade My Plan with Qantas Health Insurance
To switch to a lower-tier plan with Qantas Health Insurance, follow these steps:
1. Step 1: Review Your Current Plan
Assess if it fits your budget and healthcare needs, considering any changes.
2. Step 2: Contact Customer Support
Reach out to discuss your intention to downgrade and explore available options.
3. Step 3: Evaluate New Plans
Review the details, exclusions, and premium differences of the lower-tier plans.
4. Step 4: Confirm the Change
Once you choose a plan, confirm the change with customer support and verify the effective date.
Qantas Health Insurance will send you an update with your downgraded policy details and new premium arrangements.
How do I add a Beneficiary to Qantas Health Insurance?
To add a beneficiary to your Qantas Health Insurance policy, follow these steps:
- Access your account through the secure member portal using your member ID and password.
- Locate the section to manage policy details or beneficiaries.
- Provide the beneficiary’s name, relationship to you, and any other required info. Double-check for accuracy.
- Confirm all details and submit the changes.
After processing, you’ll get an updated policy statement with the new beneficiary information. Keep it for your records.
How to Submit a Compliment or Complaint with Qantas Health Insurance
To submit feedback to Qantas Health Insurance, follow these steps:
- Decide if you’re submitting a compliment or a complaint to ensure it reaches the right department.
- You can call the support team, submit a feedback form through the member portal, or email customer service.
- Clearly describe your experience, including the date, involved staff, and relevant policy information.
After submission, you’ll get an acknowledgment email. If it’s a complaint, they may follow up to resolve the issue.
How to Switch My Health Insurance to Qantas Health Insurance
To switch to Qantas Health Insurance, follow these steps:
- Determine what coverage you need based on your health and financial priorities.
- Call customer service to discuss available plans. A consultant will guide you through the process.
- If switching to a comparable plan, any waiting periods served with your previous provider will be recognized, unless you choose higher coverage.
- Qantas handles most of the paperwork, making the transition easier for you.
Confirm your new plan, policy details, and coverage start date with a Qantas representative.
Qantas Health Insurance Travel Insurance
Qantas Health Insurance offers tailored travel insurance plans to provide travelers with protection and peace of mind. Whether you’re planning an international getaway or frequently traveling within Australia, these policies cater to key travel risks and offer a range of additional benefits.
Travel insurance through Qantas stands out for its comprehensive approach to emergency medical coverage and flexibility in handling travel disruptions. By integrating essential benefits like unlimited medical expense coverage and trip cancellation reimbursements, the policy focuses on critical areas for both short-term and long-term travelers.
The additional perks, such as the option to earn Qantas Points and 24/7 emergency assistance, enhance the overall value of these plans.
| 🔎 Feature | 📌 Description |
| 🩺 Emergency Medical Coverage | Unlimited coverage for emergency medical expenses incurred overseas, including COVID-19-related costs |
| ❌ Trip Cancellation | Unlimited coverage for trip cancellation costs due to sickness, injury, or COVID-19 diagnosis |
| 🚗 Rental Car Excess | Up to $8,000 to cover rental car insurance excess in case of an accident or theft |
| 🧳 Luggage and Personal Effects | Up to $15,000 for lost, stolen, or damaged luggage; $1,600 for essentials if luggage is delayed for 6+ hours |
| 📑 Travel Documents | Coverage to replace travel documents lost or stolen while on your trip |
| 🐰 Childcare and Pet Accommodation | Covers childcare and pet boarding in Australia if an emergency prevents you from returning home |
| ⛵ Cruise and Adventure Coverage | Includes coverage for cruises, recreational scuba diving under 40m, and trekking below 3000m |
| ❄️ Optional Snow Sports Cover | Additional coverage for snow sports activities, including medical expenses, equipment, and pre-paid passes |
| 💊 Existing Medical Conditions | Optional coverage for pre-existing medical conditions after completing an online medical screening |
Additional Terms and Key Information
Here are the key features of Qantas Travel Insurance:
24/7 Emergency Assistance
Access Qantas’ Travel Assistance team anytime during emergencies or travel disruptions.
Earning Qantas Points
Earn up to 10,000 Qantas Points for purchasing a policy and 1 point per $1 spent on premiums.
Policy Flexibility
Pay for policies with Qantas Points or cash.
Multi-Trip Coverage
Annual policies cover unlimited trips up to 45 days per trip, both domestic and international.
Exclusions
Exclusions include epidemics (except COVID-19 benefits), unattended luggage, and medical expenses related to extreme sports unless additional coverage is purchased.
Snow Sports & Adventure
Optional add-ons for snowboarding, skiing, and other adventure activities, with extra benefits for cancellations and equipment coverage.
Claims can be lodged 24/7 via an online portal, making it convenient to manage unexpected travel issues.
Qantas Health Insurance Corporate Responsibility
Corporate responsibility plays a crucial role in maintaining ethical practices and giving back to the communities that Qantas Health Insurance serves.
As part of the Qantas Group, Qantas Health Insurance aligns its initiatives with the broader values of sustainability, community engagement, and ethical business practices. The Qantas Group focuses on three core areas under its corporate responsibility strategy.
Environmental Responsibility
As part of the Qantas Group, Qantas Health Insurance is committed to achieving net zero emissions by 2050. It has established interim goals such as using 10% sustainable aviation fuel by 2030 and reducing single-use plastics by 2027.
The Qantas Climate Fund, a $400 million initiative, is set up to develop sustainable solutions for reducing the environmental impact in the air and on the ground.
Community Support and Engagement
Qantas is deeply involved in supporting communities across Australia, especially in regional areas.
This involves long-standing partnerships with charitable organizations like UNICEF, through which over $37.7 million has been raised to support children and families in need. Qantas also provides aid in times of natural disasters, playing an essential role in Australia’s relief efforts.
Diversity and Inclusion
Qantas promotes an inclusive environment, focusing on accessibility and fair treatment of all employees and customers.
The company’s Access and Inclusion Plan aims to support employees and customers with disabilities, and its First Nations strategy champions reconciliation and cultural recognition.
Qantas Health Insurance Regulation
The Australian Prudential Regulation Authority (APRA) and the Australian Competition and Consumer Commission (ACCC) regulate private health insurance in Australia.
Qantas Health Insurance is not a member of APRA but is health insurance issued by Nib Health Funds (ABN 83 000 124 381). Specific Responsibilities and Regulatory Focus Areas of APRA and ACCC.
APRA actively monitors private health insurers through regular risk assessments and financial stress testing to ensure their solvency and stability. The ACCC oversees premium adjustments by reviewing increases to ensure they meet regulatory standards and maintain fairness for consumers.
Both APRA and the ACCC are committed to enforcing market integrity and protecting members from misconduct and potential financial threats. The primary regulatory framework comes under the Private Health Insurance Act 2007, alongside the oversight functions of APRA and ACCC.
Qantas Health Insurance Awards and Recognition
Qantas Health Insurance has consistently been recognized for providing quality coverage to Australians.
During the Finder Insurance Awards 2022, Qantas received the Best Basic Hospital Insurance award, recognizing the comprehensive entry-level hospital cover offered by Qantas, which includes services like dental surgery and joint reconstructions, surpassing many other basic-tier plans in the market.
Additionally, Qantas Health Insurance was a finalist for its Silver Hospital Insurance Policy in the same awards, further reinforcing its position as a reliable provider for various life stages and health needs.
Customer Support and Contact Details
Effective customer support is one of the most important factors for any health insurance provider, and Qantas Health Insurance offers multiple channels to assist members.
Their approach revolves around being responsive and offering myriad ways for members to manage their policies, submit claims, and address inquiries or concerns. Qantas Health Insurance provides support through the following key services:
| 🔎 Customer Support Service | 📌 Description | 📍 Availability | 🩷 Purpose |
| ☎️ Phone Support | Dedicated helpline for policy inquiries, claims assistance, and support issues | Available during business hours (Mon-Fri) on 13 49 60 | Provides direct, real-time assistance for complex issues that require immediate resolution |
| ⚙️ Self-Service Portal | An online portal allowing members to manage policies, view coverage, make claims, and update details | 24/7 Accessibility | Offers flexibility for members to manage their insurance needs at any time independently |
| ⚙️ Qantas Wellbeing App | Mobile app designed for tracking health activities, making extra claims, and accessing policy information | 24/7 Accessibility | Combines health tracking with easy access to insurance management tools for mobile users |
| 💌 Email Support | Support via email for detailed inquiries or non-urgent assistance requests | Typically reviewed during business hours on [email protected] | Allows members to communicate complex issues or requests that need written documentation |
| 🥰 In-App Live Chat (if available) | Real-time chat feature for resolving inquiries through the Qantas Wellbeing App | During business hours | Provides a convenient, real-time way for members to communicate and get quick answers to basic queries |
Qantas Health Insurance Rebates and Discounts
Qantas Health Insurance offers several rebates and discounts to help make private health coverage more affordable. Here’s an overview of the key options:
Australian Government Rebate: This rebate reduces the cost of private health insurance, with the percentage based on age and taxable income:
- For individuals under 65: The rebate ranges from 8.202% to 25.059%, depending on the income tier.
- For individuals aged 65-69: The rebate ranges from 18.276% to 29.236%.
- For individuals aged 70 and above: The rebate can be as high as 33.413%.
Age-Based Discounts: Members aged between 18 and 29 can receive up to a 10% discount on hospital premiums. This discount decreases by 2% per year as members approach age 30.
Income Thresholds: The rebate percentage decreases as income increases. Couples and families have higher income thresholds compared to singles.
Qantas Health Insurance Additional Health Services and Products
Qantas Health Insurance offers a range of additional health services and products to complement its core insurance offerings, enhancing members’ well-being and making health management more accessible.
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Extras Cover Options: Qantas provides various extras cover plans, including dental, optical, physiotherapy, chiropractic, and more. Members can choose from different tiers, such as Basic, Active, or Top Extras, based on their needs.
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Qantas Wellbeing App: Members can track their health activities, earn Qantas Points for achieving fitness goals, and access preventive health services like health checks. The app helps monitor fitness progress while integrating rewards.
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Telehealth Services: Coverage for telehealth consultations allows members to access healthcare professionals from home, making medical advice more convenient.
Members earn Qantas Points for paying premiums and engaging in healthy lifestyle activities, such as walking and regular health checks. These points can be redeemed for flights, upgrades, and other rewards through the Qantas Frequent Flyer program.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Earn Qantas Points with every premium payment | Premium increases may be higher than expected for some members |
| Immediate hospital coverage for accidental injuries | Coverage limitations apply for certain major procedures like heart surgeries in lower-tier plans |
| Flexible plan options for different life stages and needs | Some policy details and exclusions can be complex, creating confusion |
| Comprehensive gap cover options to minimise out-of-pocket expenses | Hospital network agreements may not cover all private hospitals or specialists |
| Integrated Wellbeing App to track health activities and manage claims | Maternity benefits are only included in top-tier plans, which may be costly for families |
| 24/7 emergency support with certain travel insurance plans | Limited coverage options for international medical expenses |
| No-gap arrangements for participating providers reduce unexpected costs | Out-of-pocket costs can still occur under known-gap agreements |
| Clear cost transparency with detailed agreements for known-gap services | Customer support hours are limited |
| Additional extras cover options available, like physiotherapy and optical | High costs for higher-tier plans limit affordability for some members |
In Conclusion
Overall, after examining Qantas Health Insurance, we found it provides a perfect mix of flexibility and unique benefits like Qantas Points rewards and gap cover arrangements.
Integration with the Qantas Wellbeing App adds value for those who prioritize staying active and tracking health goals. Each plan, from Basic to Gold Top, offers targeted coverage based on different life stages and needs, but there are notable considerations to be aware of.
We found that some members highlighted issues with the clarity of policy details, which could lead to unexpected expenses if not carefully reviewed.
Moreover, while the rewards program is appealing, its benefits might not outweigh the limitations in customer support response times and complex exclusions for all users.
In conclusion, Qantas Health Insurance can be a good choice for flexibility and added perks, but understanding the specifics of each plan and being proactive with support inquiries is essential to maximize its value.
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Frequently Asked Questions
How do the Qantas Health Insurance plans work?
Qantas Health Insurance plans cover both in-hospital and out-of-hospital care, depending on the plan. Members easily claim through the online portal or app.
What is the waiting period for Qantas Health Insurance?
Waiting periods can range from one day for accidental injuries to up to 12 months for specific situations such as pregnancy. These waiting times are consistent across all plans.
What is Qantas’ Wellbeing App?
The Qantas Wellbeing App lets users track their health habits and earn Qantas Points for achieving goals like walking or getting adequate sleep.
Does Qantas Health Insurance cover pregnancies and childbirth?
Yes, the Gold Top plan covers full maternity coverage with a 12-month waiting period. This plan provides expecting families with in-hospital maternity care.
