Qantas Health Insurance review

Qantas Health Insurance policies are on the more affordable end of the spectrum, and its Silver Hospital policy was commended in our 2024 Health Insurance Awards.

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Our verdict

Pros

  • Earn up to 120,000 Qantas Points over 6 months on sign-up. Ends 31 January 2025. Eligibility criteria and T&Cs apply.
  • Qantas' Silver Hospital policy was highly commended in our 2024 Health Insurance Awards
  • Qantas policies are on the more affordable end of the spectrum

Cons

  • If you want the cheapest policy available, Frank, ahm, and HBF are often cheaper than Qantas
  • While Qantas is affordable, it's a for-profit health fund which puts some consumers off
  • Qantas is underwritten by nib, which has a sub-standard complaints record

What types of health insurance does Qantas Health Insurance offer?

Qantas Health Insurance has a range of health insurance policies available. To help find the best health insurance for your needs, compare multiple options.

Get the lowdown on Finder Score

Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.

Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.

What do Australians think of Qantas health insurance?

  • 4.11/5 overall for Customer Satisfaction — lower than the average of 4.13
  • 4.44/5 for Trust — lower than the average of 4.46
  • 4.1/5 for Customer Service — lower than the average of 4.17

Based on Qantas health insurance scores in Finder's 2024 Customer Satisfaction Awards.

How to make a claim

For hospital claims

You usually won't receive a bill if your procedure is covered by your policy, you go to an nib Agreement Private Hospital, and your specialists participate in nib's MediGap scheme. You'll just have to pay any excess that applies.

If you do receive a hospital bill and you're covered for the procedure, you can make a claim online via the Qantas Health Insurance' self-service portal. You can also call Qantas Health Insurance on 13 49 60 if you need some help with the process.

For extras claims

Tap your Qantas Health Insurance card at any provider with a HICAPS machine and just pay the remaining bill, if there is any. If you can't claim at your service provider, you can claim online via the self-service portal or through the Qantas Wellbeing app.

Complaints info

Qantas Health Insurance is underwritten by nib which, unfortunately, has a sub-standard record with complaints. nib has 9.6% of market share but accounted for 10.1% of complaints received by the Commonwealth Ombudsman's Office in the last financial year. This means nib is receiving a higher-than-average number of complaints.

Finder Awards badge

Congratulations, Qantas!

Qantas received the highly commended award for 'Health Insurance - Silver Hospital' in the 2024 Product Awards.

Full list of 2024 winners

Sign-up deals with Qantas Health Insurance for December 2024

Name Product AUFHI-DLZ

Join and earn up to 120,000 Qantas Points

Ends 31 January 2025

Plus, get 60-75% back on Extras (up to your annual limit) for things like dental, physio and glasses costs. Points will be awarded based on your level of cover over 6 months. Eligibility criteria and T&Cs apply.

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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 241 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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