On this page:

• Is Qantas health insurance nonprofit?
• Does Qantas health insurance get many complaints from members?
• How good is Qantas health insurance gap cover?
• How many hospital agreements does Qantas health insurance have in my state?
• Does Qantas health insurance offer any discounts?
• Does Qantas health insurance offer ambulance cover?
• Does Qantas health insurance offer family policies that cover adult children?
• Does Qantas health insurance let you claim online or in-app?

Qantas health insurance summary

Qantas health insurance (QHI) is a recent arrival to the health insurance market. It is issued by NIB and arranged by Qantas Airways. Qantas health insurance offers special promotions for Qantas Frequent Flyer members and points earned on premiums. 

Phone:1300 682 030

Website: insurance.qantas.com/health-insurance

NIB also operates these other funds:

• Suncorp Health
• AAMI Health
• Apia Health
• TAL Health
• Grand United Health (corporate fund)

Is Qantas health insurance nonprofit?

No.

Qantas complaints rating: Medium

Includes NIB

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Qantas health insurance gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating for NIB (Qantas health insurance parent company), which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average. 

Rating scale

• Well above average
• Above average
• Average
• Below average
• Well below average

How many hospital agreements does Qantas health insurance have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements NIB (Qantas health insurance parent company) has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Qantas health insurance offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Other discounts: Qantas health insurance offers a rewards program linked to their Qantas Frequent Flyer Program 

Does Qantas health insurance offer ambulance cover?

All Qantas health insurance policies have emergency ambulance cover in states where it is not provided by the state government. 

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

• In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
• In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
• In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
• Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
• Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Qantas health insurance offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study. The Extended Family policy covers adult children aged 21-25 if not living with a partner.

Does Qantas health insurance let you claim online or in-app?

Qantas health insurance offers a 'wellbeing' app that offers online claiming as well as a rewards program and health monitoring.