If you claim general dental every year
Starter Extras has a $250 general dental limit, with no limit on preventative dental. Check the extras benefits for shared pools and claim conditions.
Qantas health insurance
Is it a good health insurer?
Qantas has 6 hospital and 7 extras policies in our comparison, from $101.86 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by nib Health Funds Ltd. Hospital, extras or both.
Explore 6 hospital and 7 extras products, or find cover by treatment. Sources for Qantas
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 17 September 2026
I need cover for…
Compare cover across all Australian health funds.
Qantas cover: the main choices.
See the benefit differences
For insulin pumps
Silver Plus Select Hospital does not fully cover insulin pumps. Check the hospital cover for exclusions and restricted benefits before choosing.
Before you pay for Silver Plus
Silver Plus Standard adds back, neck and spine treatment and other categories compared with Bronze Hospital Plus. What the hospital cover step costs depends on your household, state and excess.
Qantas policies and example prices.
The profile you choose updates the Qantas price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need a Qantas price for your circumstances? Compare Qantas with cover across all Australian health funds.
Compare my optionsHospital cover
6 product lines
$41.07 more per month for Silver Plus Select Hospital versus Silver Plus Standard after rebate for the selected example profile.
Cataracts is an additional inclusion, not the complete list of differences.
Extras cover
7 product lines
Qantas joining offer
Earn up to 130,000 Qantas Points
Qantas Frequent Flyer members who buy a Qantas Health Insurance policy by 30 November 2026 earn sign-on points over six months, normally in two stages. The 130,000 maximum is for combined Gold Top Hospital and Top Extras cover for couples, single parents and families. Combined hospital and extras cover also skips the 2 and 6 month extras waits.
For Qantas Frequent Flyer members. It is not available if you held Qantas Health Insurance in the previous 12 months, or cover from nib or some of its other brands in the previous 6 months.
Ends 30 November 2026
Offer termsOffer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.
Qantas eligibility and offer terms
The offer is only available on policies bought through the Qantas website or call centre. Eligibility and other conditions apply.
Buy the policy in October or November 2026. The offer closes at 11:59pm AET on 30 November.
Points go to the primary policyholder in two stages, based on the level of cover held at each stage. Up to 104,000 points come once the same level of cover has been held for 60 continuous days. Up to 26,000 more come after 180 days. If no level of cover is held continuously, the points come after 180 days instead.
The 130,000 maximum applies to combined Gold Top Hospital and Top Extras cover for couples, single parents and families. Each policy has its own maximum, and Qantas' singles page gives up to 65,000 points for singles.
The 2 and 6 month extras waits are waived only on combined hospital and extras cover. Longer extras waits and hospital waits still apply.
The 6 month exclusion applies to cover from nib, AAMI and Apia. It also applies to GU Health, Suncorp and ING cover. Real and Seniors Health Insurance cover counts too.
Qantas may withdraw or extend this offer at any time.
Related insurer
Also considering nib?
Qantas and nib-branded health cover share an issuer, but their policy benefits, prices and joining offers can differ.
A nib-branded policy is not a Qantas policy. Check the exact product and terms before joining.
Explore nib-branded coverWhat does Qantas hospital insurance cover?
3 Qantas hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 6 hospital policies
Selected Qantas treatment categories.
More premium does not mean more back on everything.
Qantas extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Kickstart Extras → Family Extras
Both single-policy examples have a $250 optical limit and a $350 physiotherapy limit. But Family Extras lowers the major dental limit from $1,000 to $600.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Top Extras: higher benefit examples
The optical examples move from 60% on Starter Extras to 75%, with a $350 optical limit and $600 physio limit for the Single-policy example.Weigh those increases against the premium.
Why Qantas' shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
Qantas vs. Australian Unity vs. HIF
How Qantas compares with similar hospital policies.
These are selected Silver Plus examples from Australian Unity and HIF, not identical policies or a search for the cheapest cover across the market.
Comparing Qantas Silver Plus Standard with Australian Unity Midpoint Hospital (Silver Plus) and HIF Silver Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover
Qantas and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match Qantas Silver Plus Standard on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
Qantas and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare Qantas with cover from every Australian health fund.
Qantas against the industry.
These figures describe nib Health Funds Ltd, which issues Qantas health cover, not Qantas customers alone.
nib members had no gap on 88.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
nib paid 58% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
nib increased premiums by an average of 5.47% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
ProductReview
1.8 / 5
801 ProductReview reviews
Voluntary customer reviews · nib
Snapshot: 26 October 2026. This is nib's listing, not a Qantas-only rating or a representative survey.
Complaint share is close to market share, but investigated complaints are lower
Share of all complaints, 2024-259.6%
Market share, 30 June 20259.8%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
nib's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 6.4%, below its market share.
Latest quarter, January to March 2026. The Ombudsman referred 70 complaints about nib Health Funds Ltd to it to resolve, 10.5% of those it referred about all insurers. It also investigated 1 complaint about nib Health Funds Ltd, 33.3% of those it investigated about all insurers. Ombudsman Quarterly Update · checked 26 October 2026
App Store
4.7 / 5
50,392 App Store ratingsQantas Wellbeing app · Qantas Airways Ltd
Snapshot: 22 October 2026. Qantas' own website points members to the Qantas Wellbeing app. This rating covers the whole app, published by Qantas Airways Ltd, not only its insurance features.
Google Play
3.6 / 5
About 5,120 Google Play reviewsQantas Wellbeing app · Qantas Airways Limited
Snapshot: 22 October 2026. Qantas' own website points members to the Qantas Wellbeing app. This rating covers the whole app, published by Qantas Airways Limited, not only its insurance features.
Check the practical details.
Check your provider
Confirm that Qantas recognises your provider. Ask for a treatment plan and item numbers so Qantas can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use Qantas' health claims guidance for receipts, claim tracking and remaining benefits.
Contact Qantas
For quotes and help choosing cover, call 13 49 60. Monday to Friday 9am to 7pm (AET).Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose Qantas.
Who provides Qantas health insurance?
Qantas health insurance is issued by nib Health Funds Ltd. A Qantas policy is not necessarily identical to a policy sold under another nib brand, so compare the actual policy terms and price.
Source: Government insurer profile, checked 23 October 2026.
What is the cheapest Qantas hospital policy?
Basic Hospital is the cheapest Qantas hospital policy for a single person in NSW with a $500 hospital excess, at $101.86 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 6 Qantas hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What changes if I move from Bronze Hospital Plus to Silver Plus Standard?
Qantas Silver Plus Standard adds full cover for heart and vascular system, implantation of hearing devices and 5 more categories compared with Bronze Hospital Plus. For the Single / NSW / $500 excess example it costs $35.93 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for Qantas.
Policy information retrieved 26 October 2026. Prices effective 17 September 2026.
Private Health Information Statements · Qantas · checked 26 October 2026
State of the Health Funds Report 2024-25 · nib · checked 26 October 2026
Government insurer profile · nib · checked 23 October 2026
Government premium-increase figures · nib · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
ProductReview listing · nib · checked 26 October 2026
App Store listing for Qantas Wellbeing · Qantas Airways Ltd · checked 22 October 2026
Qantas page that names the Qantas Wellbeing app · Qantas · checked 22 October 2026
Google Play listing for Qantas Wellbeing · Qantas Airways Limited · checked 22 October 2026
Official contact details · Qantas · checked 22 October 2026
Offer terms · Qantas · checked 26 October 2026
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