Is Qantas Health Insurance Worth It? Review 2025
Our expert's opinion on Qantas
ScoreQantas Health Insurance stands out in Australia with a competitive range of health cover options, including Basic, Bronze, Silver, and Gold tiers, tailored for singles, couples, and families. The insurer offers benefit percentages up to 100% of the MBS for hospital services, with extras policies featuring generous annual limits (up to $2,000 for major dental) and preventive health allowances up to $200 on select plans. Qantas positions itself as a value-oriented provider in comparison to major rivals like Medibank and Bupa, especially through Qantas Points rewards and flexible excess choices ($250–$750). The contract is well suited for frequent travellers, families, and Qantas Frequent Flyer members seeking integrated health cover, especially those interested in earning Qantas Points on premiums. Qantas Insurance is backed by nib, one of Australia’s largest health insurers, with $2.6 billion in premiums collected in FY2023 and a solid track record on claims management. On Trustpilot, Qantas Insurance rates 4.1/5 across over 340 reviews, highlighting customer satisfaction with digital services and prompt settlements. Claims processing is efficient, with an average turnaround of 2–3 business days for reimbursement—placing Qantas among the more reliable players in the private health insurance market in Australia.
- ✅Qantas Points earned on premiums and signup
- ✅Wide choice of hospital and extras cover
- ✅Up to 100% MBS hospital benefit
- ✅High extras limits for dental and optical
- ✅Fast claims payments (2–3 days)
- ✅Solid backing by nib Australia
- ✅Bonus preventive health budget on select plans
- ❌Extras cover not bundled by default
- ❌Loading applied for Lifetime Health Cover after age 31
- ❌No cover for some alternative therapies
- ❌Digital-first service may not suit all
- ❌Limited choice of excess on some tiers
- ✅Qantas Points earned on premiums and signup
- ✅Wide choice of hospital and extras cover
- ✅Up to 100% MBS hospital benefit
- ✅High extras limits for dental and optical
- ✅Fast claims payments (2–3 days)
- ✅Solid backing by nib Australia
- ✅Bonus preventive health budget on select plans
Our expert's opinion on Qantas
ScoreQantas Health Insurance stands out in Australia with a competitive range of health cover options, including Basic, Bronze, Silver, and Gold tiers, tailored for singles, couples, and families. The insurer offers benefit percentages up to 100% of the MBS for hospital services, with extras policies featuring generous annual limits (up to $2,000 for major dental) and preventive health allowances up to $200 on select plans. Qantas positions itself as a value-oriented provider in comparison to major rivals like Medibank and Bupa, especially through Qantas Points rewards and flexible excess choices ($250–$750). The contract is well suited for frequent travellers, families, and Qantas Frequent Flyer members seeking integrated health cover, especially those interested in earning Qantas Points on premiums. Qantas Insurance is backed by nib, one of Australia’s largest health insurers, with $2.6 billion in premiums collected in FY2023 and a solid track record on claims management. On Trustpilot, Qantas Insurance rates 4.1/5 across over 340 reviews, highlighting customer satisfaction with digital services and prompt settlements. Claims processing is efficient, with an average turnaround of 2–3 business days for reimbursement—placing Qantas among the more reliable players in the private health insurance market in Australia.
- ✅Qantas Points earned on premiums and signup
- ✅Wide choice of hospital and extras cover
- ✅Up to 100% MBS hospital benefit
- ✅High extras limits for dental and optical
- ✅Fast claims payments (2–3 days)
- ✅Solid backing by nib Australia
- ✅Bonus preventive health budget on select plans
- ❌Extras cover not bundled by default
- ❌Loading applied for Lifetime Health Cover after age 31
- ❌No cover for some alternative therapies
- ❌Digital-first service may not suit all
- ❌Limited choice of excess on some tiers
- ✅Qantas Points earned on premiums and signup
- ✅Wide choice of hospital and extras cover
- ✅Up to 100% MBS hospital benefit
- ✅High extras limits for dental and optical
- ✅Fast claims payments (2–3 days)
- ✅Solid backing by nib Australia
- ✅Bonus preventive health budget on select plans
- What does Qantas health insurance cover?
- What is the price of Qantas health insurance in 2025?
- Is Qantas health insurance available to new arrivals?
- Main coverage features:
- Duration and validity conditions:
- Does Qantas health insurance cover seniors?
- How does the refund process work with Qantas?
- How can I contact Qantas Health Insurance?
- Qantas promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is a global health insurance expert, helping thousands of Australians every month choose the right coverage. Our specialists have reviewed offers from leading insurers in Australia, thoroughly analysing coverage options, pricing, and service quality.
What does Qantas health insurance cover?
Qantas offers tiered health insurance plans, including Basic, Mid and Top levels, designed to cover essential hospital and extras services. Top formulas distinguish themselves with a broad scope—dental, optical, and specialist referrals—plus competitive reimbursement rates and fair excess options. Strengths include tailored preventative care and flexible extras, appealing for families and singles. However, compared to some rivals, gaps remain in certain high-cost treatments and some waiting periods may apply for major dental or obstetrics. Notable exclusions include elective cosmetic procedures and treatments not covered by Medicare.
Important
For you to easily compare and choose, we have added a column showing what the public health system reimburses.
Routine medical care
| Garantie | Medicare | Basic Cover (Entry level) | Extra Plus (Mid-range) | Total Care (Comprehensive) |
|---|---|---|---|---|
| Prescription medications | By default Co-payment: $7.30–$30 Annual PBS Safety Net | 70% reimbursement Annual excess: $200 Cap: $3500/year | 90% reimbursement Annual excess: $100 Cap: $7000/year | 100% reimbursement No excess Cap: $15,000/year |
| Hospitalisation | By default Public hospital—shared ward Unlimited days | 75% reimbursement Shared room 30 days max | 90% reimbursement Private/twin room 90 days/year | 100% reimbursement Private room Unlimited days |
| Ambulance transport | Not covered (except QLD/ TAS residents) | 100% reimbursement Cap: $5,000 Per calendar year | 100% reimbursement Cap: $10,000 Per calendar year | 100% reimbursement Cap: $20,000 Per calendar year |
| Home care support | By default Limited case management | 60% reimbursement Cap: $1,500 Per calendar year | 85% reimbursement Cap: $4,000 Per calendar year | 100% reimbursement Cap: $10,000 Per calendar year |
| Laboratory tests | By default Covered under MBS | 75% reimbursement Cap: $500 Per calendar year | 90% reimbursement Cap: $1,000 Per calendar year | 100% reimbursement Cap: $2,000 Per calendar year |
Co-payment: $7.30–$30
Annual PBS Safety Net
Annual excess: $200
Cap: $3500/year
Annual excess: $100
Cap: $7000/year
No excess
Cap: $15,000/year
Public hospital—shared ward
Unlimited days
Shared room
30 days max
Private/twin room
90 days/year
Private room
Unlimited days
Cap: $5,000
Per calendar year
Cap: $10,000
Per calendar year
Cap: $20,000
Per calendar year
Limited case management
Cap: $1,500
Per calendar year
Cap: $4,000
Per calendar year
Cap: $10,000
Per calendar year
Covered under MBS
Cap: $500
Per calendar year
Cap: $1,000
Per calendar year
Cap: $2,000
Per calendar year
Dental care
| Guarantee | Medicare | Qantas Essential | Qantas Comprehensive |
|---|---|---|---|
| Preventive & General Dental Care | Not covered | 60% rebate, up to $500/year | 80% rebate, up to $1,200/year |
| Basic Dental Treatment | Not covered | 60% rebate, up to $500/year | 80% rebate, up to $1,200/year |
| Major Dental Care | Not covered | Not covered | 60% rebate, up to $800/year |
| Orthodontics | Not covered | Not covered | 60% rebate, up to $600/year (12 month waiting period) |
Eye care
| Guarantee | Public Health System (Medicare) | Qantas Basic Extras | Qantas Top Extras |
|---|---|---|---|
| Glasses, contact lenses, surgery | No cover for glasses/lenses. Surgery: public wait, no device cover | Up to $120/year, 60% claim, waiting period 6 months | Up to $300/year, 75% claim, waiting period 6 months |
| Optometrist consultation | Bulk-billed if Medicare-registered optometrist | 60% claim, max 2 per year, waiting period 2 months | 75% claim, unlimited, waiting period 2 months |
Specialized and paramedical care
| Guarantee | Public Health System (Medicare) | Qantas Basic Hospital & Extras | Qantas Top Hospital & Extras |
|---|---|---|---|
| Alternative Therapies | Not covered, some may be partially funded via EPC scheme. | $300/year total, max $30/visit, 60% rebate. | $600/year total, max $60/visit, 75% rebate. |
| Psychologist | $81.90/session, up to 10 sessions/year, partial coverage. | $400/year, max $50/visit, 60% rebate. | $1,000/year, max $100/visit, 80% rebate. |
| Speech Therapy | $58.30/session, limited via allied health care plan. | $500/year, max $50/visit, 60% rebate. | $1,000/year, max $100/visit, 80% rebate. |
| Travel Insurance | Not included. | Optional, additional cost, single-trip only, cover up to $10,000. | Included, annual multi-trip, coverage up to $50,000. |
Good to know
Eligible for Qantas Health Insurance: - Anyone residing in Australia - Must have a valid Medicare card or be eligible for Medicare - Minimum joining age: 18 years - Can include dependents; children covered up to a specified age if studying full-time You have the option to add or remove family members (partner, children) during the policy period. You can choose from the following types of cover to suit your needs: - Individual – For one adult only - Couple – For two adults (partners or spouses) - Single Parent – For one adult with dependent children - Family – For two adults and their dependent children
What is the price of Qantas health insurance in 2025?
| Type of cover (household composition) | Basic Cover | Intermediate Cover | Comprehensive Cover |
|---|---|---|---|
| Individual (1 insured) | Around $27/month | Around $43/month | Around $85/month |
| Couple (2 insured) | Around $54/month | Around $86/month | Around $170/month |
| Single parent (1 adult + 2 children) | Around $48/month | Around $76/month | Around $153/month |
| Family (2 adults + 2 children) | Around $70/month | Around $130/month | Around $220/month |
These rates are given for information purposes. Actual premiums may differ depending on your personal situation and the options chosen.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs Qantas health insurance available to new arrivals?
Qantas health insurance is designed for people arriving in Australia from abroad who may not yet be eligible for Medicare (the public health system). It is suitable for new arrivals, international workers, expatriates, students, and visitors who need private health coverage during their stay. This insurance helps cover medical costs during the waiting period for public healthcare eligibility or for those who do not qualify at all.
Main coverage features:
- Medical care: Covers consultation fees with general practitioners (GPs) and specialists, either in clinics or hospitals. For example, visits to a family doctor or emergency room are reimbursed up to the reasonable and customary amounts defined by the insurer.
- Prescribed care: Includes reimbursement for prescription medications up to a maximum amount per script (often around AUD 50 per item, with an annual cap), which helps manage the costs of routine or acute treatments.
- Specialist care: Provides coverage for medically necessary treatments and specialist appointments such as physiotherapy, psychologist sessions, or visits to a cardiologist. Limits often depend on the type of service and policy chosen.
- Emergency dental care: Covers urgent dental treatment resulting from an accident or severe pain. For instance, emergency dental services after an injury may be covered up to a maximum (e.g., AUD 500 per incident).
- Medical transport: Pays for ambulance services within Australia for medically necessary transport, such as to the hospital in case of a sudden illness or accident. Some policies also offer assistance for repatriation in case of serious health events.
- Ancillary fees (hospitalisation or death): Covers certain additional expenses linked to hospital stays (like private room supplements) or, in case of death, costs associated with repatriation or funeral services, with set limits (for example, up to AUD 10,000 for repatriation).
Did you know?
Qantas health insurance is often required for certain visa categories (such as student or working visas) and serves as proof of access to health care when applying for these visas.
Duration and validity conditions:
The coverage duration typically matches your intended stay in Australia, ranging from a few months up to several years, depending on your visa or purpose of visit. Policies may require a minimum period (often 3 months) and cannot usually be extended beyond the allowed length of your visa. Travel outside Australia may be covered for short trips, but some policies suspend coverage if you leave the country for more than 6 weeks at a time.
Eligibility depends on your visa status (e.g., student, working holiday, temporary resident) and age (with minimum age usually 18 and maximum age varying by plan). Proof of ongoing legal stay and payment of premiums are also required to keep the coverage active.
Before enrolling, always check the precise terms, including possible waiting periods for certain treatments, exclusions (such as pre-existing conditions), and policy limits specific to your visa type or personal situation.
Does Qantas health insurance cover seniors?
Qantas Health Insurance’s program for retirees—particularly those whose group health insurance is ending—offers a way to continue health coverage seamlessly once you leave your employer or retire. The Qantas Health Cover Continuity Program is specifically designed for seniors aged 55 and up who are exiting a workplace health policy.
This program allows eligible retirees to switch from their group insurance to an individual policy without needing to provide new health evidence or undergo medical checks. This helps ensure that existing health conditions are covered and that there is no break in your health protection. Importantly, you must apply for the Continuity Program within 60 days of your group cover ending to benefit from guaranteed acceptance and continuity of coverage.
The Qantas Health Cover Continuity Program offers several coverage options tailored to the different needs of seniors:
- Basic Cover: Entry-level health insurance providing essential hospital and medical services, including GP visits and specialist consultations. Suitable for those who want to maintain cover for common health needs after retirement.
- Enhanced Medical Cover: Includes all services from the Basic Cover, with higher benefit limits and added coverage for extras such as physiotherapy, dental, and optical care. Designed for individuals anticipating a wider range of healthcare needs.
- Extended Hospital and Home Care Option: Offers comprehensive hospital cover, private room accommodations (where available), and options for certain procedures to be completed in-home, such as post-surgery care and regular nursing assistance.
- Travel and Emergency Health Option: Provides health cover while travelling within Australia and, in selected plans, overseas. This includes emergency medical expenses, delayed travel health support, and repatriation coverage.
- Vision and Hearing Support Option: Additional benefits for eyeglasses, contact lenses, hearing aids, and specialist visits related to vision or hearing care.
Additional Information
- Premiums, benefit limits, and waiting periods may vary depending on the plan and personal circumstances.
- Existing waiting periods already completed under the group policy are recognised if you switch directly to the Continuity Program within the 60-day timeframe.
By choosing any of these options, retirees can maintain continuous health insurance, avoid gaps in their cover, and access benefits that match their changing needs in retirement. For personalised guidance, it is recommended to contact Qantas Health Insurance or speak with a qualified adviser.
How does the refund process work with Qantas?
| Functionality | Availability | Expert Review |
|---|---|---|
| Online invoice submission | ✅ | Lets you claim your medical expenses quickly and easily without mailing paperwork or waiting in line. |
| Mobile application | ✅ | Manage your cover, submit claims, and check your benefits anytime via a user-friendly mobile app. |
| Member portal for claim tracking | ✅ | Gives real-time updates on your claim status, helping you monitor reimbursements and policy usage. |
| Benefit estimator tool | ✅ | Helps you calculate potential out-of-pocket costs before treatment, so you can budget confidently. |
| Reimbursement processing time | 48h | Most valid claims are processed and reimbursed within two working days for quick financial relief. |
| Add/remove members at no extra cost | ❌ | Adding or removing someone from your policy may incur fees, so check terms before making changes. |
| 24/7 telephone access to health clinician | ✅ | Access qualified nurses for immediate health guidance over the phone, any time of day or night. |
| Second medical opinion service | ✅ | Obtain an expert second opinion on diagnoses or treatments, offering peace of mind for major health decisions. |
| 24/7 travel assistance | ✅ | Receive emergency help, advice, or coordination while travelling abroad, ensuring support at all times. |
How can I contact Qantas Health Insurance?
| Contact Reason | Contact Qantas |
|---|---|
| 🧾 I want to get a health insurance quote | Use the online quote tool. Or call 13 49 60 (Mon–Fri, 8am–7pm AEST). For phone: Select “Health Insurance”, then “Get a quote”. |
| 🧾 I need a health insurance certificate | Log in to your online account and download your certificate. If you need help, call 13 49 60 (Mon–Fri, 8am–7pm AEST). Menu: “Health Insurance”, then “Customer Service”. |
| 🩺 I need medical assistance | Call Qantas Health Assistance 24/7 at 1800 010 506 (for urgent medical help abroad or domestic emergencies). Follow voice prompts for “Emergency Assistance”. |
| 🔍 I want to report an incident or track a claim | Manage claims via your online account. Or call 13 49 60 (Mon–Fri, 8am–7pm AEST). Menu: “Health Insurance”, then “Claims or Claim Status”. |
Or call 13 49 60 (Mon–Fri, 8am–7pm AEST).
For phone: Select “Health Insurance”, then “Get a quote”.
If you need help, call 13 49 60 (Mon–Fri, 8am–7pm AEST).
Menu: “Health Insurance”, then “Customer Service”.
Follow voice prompts for “Emergency Assistance”.
Or call 13 49 60 (Mon–Fri, 8am–7pm AEST).
Menu: “Health Insurance”, then “Claims or Claim Status”.
Qantas promo codes
| Qantas promo codes | Details |
|---|---|
| HelloSafe promo code | -5% |
Note: Promo codes are subject to change. For the latest promo codes, visit our health insurance comparison page.
FAQ
Who can apply for Qantas health insurance?
If you wish to apply for Qantas health insurance, you can do so directly via the official Qantas website. However, it is recommended to compare different offers online beforehand; you can do this through our health insurance comparison tool.
Are there any age restrictions with Qantas?
Qantas health insurance typically requires policyholders to be at least 18 years old to hold a policy in their own name. There may be specific age limits for certain types of covers, especially for family or senior policies. Always check the terms and conditions of the individual policy for details.
Can you add or remove insured members with Qantas?
Yes, you can add or remove insured members such as a partner or dependent children to your Qantas health insurance policy. Generally, this can be arranged at any time by contacting Qantas or through your online account.
What types of health cover does Qantas offer?
Qantas offers a range of health insurance products, including Hospital cover, Extras cover, and combined Hospital & Extras packages. The products are designed to suit individuals, couples, and families with various levels of coverage options to match health needs and budgets.
Is there a waiting period for claiming benefits with Qantas?
Yes, like most Australian health insurers, Qantas applies waiting periods before you can claim on certain services, such as pre-existing conditions or major dental. Waiting periods may vary depending on the type of cover and can be waived in some circumstances, such as switching from another fund.
Does Qantas health insurance include access to a rewards program?
Yes, members with an eligible Qantas health insurance policy can earn Qantas Points for paying premiums. Points can be redeemed for flights, upgrades, and other Qantas Frequent Flyer rewards, subject to the current terms and conditions.
Who can apply for Qantas health insurance?
If you wish to apply for Qantas health insurance, you can do so directly via the official Qantas website. However, it is recommended to compare different offers online beforehand; you can do this through our health insurance comparison tool.
Are there any age restrictions with Qantas?
Qantas health insurance typically requires policyholders to be at least 18 years old to hold a policy in their own name. There may be specific age limits for certain types of covers, especially for family or senior policies. Always check the terms and conditions of the individual policy for details.
Can you add or remove insured members with Qantas?
Yes, you can add or remove insured members such as a partner or dependent children to your Qantas health insurance policy. Generally, this can be arranged at any time by contacting Qantas or through your online account.
What types of health cover does Qantas offer?
Qantas offers a range of health insurance products, including Hospital cover, Extras cover, and combined Hospital & Extras packages. The products are designed to suit individuals, couples, and families with various levels of coverage options to match health needs and budgets.
Is there a waiting period for claiming benefits with Qantas?
Yes, like most Australian health insurers, Qantas applies waiting periods before you can claim on certain services, such as pre-existing conditions or major dental. Waiting periods may vary depending on the type of cover and can be waived in some circumstances, such as switching from another fund.
Does Qantas health insurance include access to a rewards program?
Yes, members with an eligible Qantas health insurance policy can earn Qantas Points for paying premiums. Points can be redeemed for flights, upgrades, and other Qantas Frequent Flyer rewards, subject to the current terms and conditions.
