What is private health insurance?

Private health insurance is cover you take out in addition to Medicare. It includes Hospital and Extras cover, and you can choose one or both. Hospital cover helps pay for in-hospital costs, including surgery, a private room and your choice of doctor. Whilst Extras cover takes care of costs that Medicare doesn’t, like dental, optical and physio.

What is Hospital cover?

Hospital cover helps pay for the costs of being treated as a private patient in hospital, including surgery, anaesthesia, theatre fees and accommodation. Your out-of-pocket costs will depend on the level of cover you choose, your excess, and the procedure involved. Policies range from Basic to Gold, with each tier covering a broader range of services.

What is Extras cover?

Extras cover (also called general treatment cover) helps pay for health services outside of Hospital that aren’t covered by Medicare. For example, dental check-ups, prescription glasses, physio, chiro and more. Depending on your level of cover, Qantas Health Insurance may pay up to 100% of the cost (depending on your annual limit). You can purchase Extras on its own or combined with Hospital cover.

What does Qantas Health Insurance cover

Qantas Health Insurance offers two types of cover - Hospital and Extras. Hospital cover helps pay for in-hospital costs, including surgery, anaesthesia, theatre fees and private rooms. Extras cover helps pay for services outside hospital that Medicare doesn’t cover, like dental, optical and physio.

What’s the difference between Hospital and Extras cover?

Hospital cover is for treatment inside a hospital. Extras cover is for everyday health services outside of hospital. Think dental check-ups, glasses, physio and chiro. You can take out one or both.

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Qantas Health Insurance

OFFER ENDS 5 NOVEMBER

Earn up to 200,000 Qantas Points when you join by 5 November.

Plus, skip the 2 and 6-month waiting periods on Extras when you take out combined Hospital and Extras cover.

Points will be awarded based on your level of cover over 15 months. Not available if you’ve recently held health insurance issued by nib.

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Find the cover best suited for you

Singles

Rewarding cover that’s all about you.

Starting from just

28.79/ weekly

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Couples

Shared cover for your life together.

Starting from just

57.60/ weekly

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Family

Family sized cover with no excess for kids under 21.

Starting from just

61.12/ weekly

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Single Parents

Cover designed for you and your kids.

Starting from just

48.18/ weekly

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Award-winning cover you can count on

Backed by nib, one of Australia's leading health insurers.

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The Qantas Insurance Points Blitz is on now

For a limited time, we’ve boosted the points you could earn across our entire insurance range. Visit our website or call 13 49 60. Offer ends 5 November. T&Cs and eligibility criteria apply.

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Why choose Qantas Health Insurance?

Switch without the wait

We’ll recognise the time you’ve already served for comparable cover with your previous health fund.

Enjoy real value

Get 100% back on preventative dental check-ups and with selected optical providers.

Earn more rewards

Earn 1 Qantas Point for every dollar you spend on your premium every month.

Know what you get back

Get up to 75% back on most Extras up to your annual limit when you claim

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Up to 200,000 points when you join by 5 November . Plus you'll:

Get 1 Qantas Point per $1 spent on your premium
Earn up to 12,000 points a year with the Qantas Wellbeing App
Put your points towards flights, upgrades, hotels and more

Sign-on points will be awarded based on your level of cover over 15 months. Not available if you’ve recently held health insurance issued by nib.

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The Qantas Wellbeing Mobile App, available on Google Play and Apple App Store

Earn more Qantas Points with the Qantas Wellbeing App

As a Qantas Health Insurance member, you can earn up to an extra 12,000 Qantas Points a year in the Wellbeing App by doing everyday activities

Set daily challenges for yourself across walking, sleep and more
Choose what moves you, set goals and earn points for reaching them
Access exclusive offers and discounts from our Wellbeing Partners

Understanding health insurance

Understanding the different types of health insurance

06 Apr 2025 2 min read

Discover the different types of health insurance. Learn about hospital, extras, and combined cover options for singles, couples, and families.

What is health insurance excess?

06 Apr 2025 2 min read

Health insurance excess is the upfront amount you pay towards your hospital bill when you make a claim on your Hospital cover. Learn more about excess

How long can you stay on your parent’s health cover in Australia?

06 Apr 2025 2 min read

In Australia, the age limit for staying on your parent's private health insurance policy is the day before 31st birthday if you're a single dependant.

Not a Qantas Frequent Flyer member yet?

Join for free and start earning points on everyday spending, flights, accommodation, shopping, and more.

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Thinking about switching?

We’ll recognise your existing waiting periods for comparable services and take care of the paperwork to help make switching seamless.

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Frequently Asked Questions

: Private health insurance is cover you take out in addition to Medicare. It includes Hospital and Extras cover, and you can choose one or both. Hospital cover helps pay for in-hospital costs, including surgery, a private room and your choice of doctor. Whilst Extras cover takes care of costs that Medicare doesn’t, like dental, optical and physio.
: Hospital cover helps pay for the costs of being treated as a private patient in hospital, including surgery, anaesthesia, theatre fees and accommodation. Your out-of-pocket costs will depend on the level of cover you choose, your excess, and the procedure involved. Policies range from Basic to Gold, with each tier covering a broader range of services.
: Extras cover (also called general treatment cover) helps pay for health services outside of Hospital that aren’t covered by Medicare. For example, dental check-ups, prescription glasses, physio, chiro and more. Depending on your level of cover, Qantas Health Insurance may pay up to 100% of the cost (depending on your annual limit). You can purchase Extras on its own or combined with Hospital cover.
: Qantas Health Insurance offers two types of cover - Hospital and Extras. Hospital cover helps pay for in-hospital costs, including surgery, anaesthesia, theatre fees and private rooms. Extras cover helps pay for services outside hospital that Medicare doesn’t cover, like dental, optical and physio.
: Hospital cover is for treatment inside a hospital. Extras cover is for everyday health services outside of hospital. Think dental check-ups, glasses, physio and chiro. You can take out one or both.

More FAQs

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A quick chat with our team could help you find the right cover in minutes.

13 49 60

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Important Information

Qantas Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Qantas Airways Limited ABN 16 009 661 901 (Qantas), for which Qantas receives commission.

Qantas Travel Insurance is issued by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507 (“ZAIL”). Qantas Airways Limited, ABN 16 009 661 901 (“Qantas”), is an authorised representative (AR 261363) of ZAIL. This information is general in nature only and has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the advice is suitable for you and your personal circumstances. Before making any decision to buy the travel insurance, you should read the Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG). ZAIL engages affiliated entities within the Zurich Insurance Group to provide services in support of this insurance as permitted by applicable laws.

Qantas Car and Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353 and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411, Level 13, Toowong Tower, 9 Sherwood Road, Toowong QLD, 4066 Australia, from whom Qantas receives a commission. You should fully understand the terms and conditions of these products and any existing insurance cover you have before you apply for or change your insurance cover or cancel any existing cover. The information on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold an insurance product, you should read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), Financial Services Guide (FSG) and Key Fact Sheets (KFS). New applications and changes to cover are subject to acceptance. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached. Home and Contents Insurance is not available in NT, North QLD and Northern WA.