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: 13 49 60
NIB also operates these other funds:
- Suncorp Health
- AAMI Health
- Apia Health
- Grand United Health (corporate fund)
Qantas complaints rating: Medium
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.
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.
- Well above average
- Above average
- Below average
- Well below average
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.
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
All Qantas health insurance policies have emergency ambulance cover in states where it is not provided by the state government.
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.
Qantas health insurance offers a 'wellbeing' app that offers online claiming as well as a rewards program and health monitoring.