Finding the right health insurance can be tricky with so many choices out there. However, it’s important to understand the different types of cover options available so you can find the best fit for your healthcare needs and budget.
What are the types of private health insurance?
Private health insurance offers a range of cover options to suit different healthcare needs and budgets. Here's a breakdown of the most common options:
Hospital cover: This helps pay for treatment costs in a public or private hospital as a private patient, including accommodation, surgeon fees, and anaesthesia. There are different levels of Hospital cover, which each cover a set list of procedures.
Extras cover: This helps cover out-of-hospital services such as dental check-ups, physiotherapy sessions and glasses. There are also different levels of Extras cover, each offering varying levels of services and benefits.
Combined cover: This combines Hospital and Extras cover into one convenient policy.
Singles health insurance
A Singles policy offers cover for one person without any dependants. This means, it’s all about you and your individual needs. Qantas Health Insurance offers a range of Singles health insurance options designed to best fit your needs and budget.
What to consider before purchasing a Singles policy:
Hospital needs: Think about your future needs for hospital treatment. Having private health insurance means you can be treated as a private patient, avoid long wait times and have the ability to choose your doctor, specialist and hospital for your treatment.
Extras cover: Consider whether you need cover for services like dental, optical and physiotherapy to help reduce out-of-pocket expenses for regular health expenses.
Budget: It’s important to work within a budget that suits you, whilst ensuring you’re covered for the things you need, giving you added peace of mind. Make sure you check your policy details before purchasing so you know how much your excess and rebates might be.
Couples health insurance
Couples health insurance provides cover for you and your partner. This type of policy makes it easy and hassle-free for you and your partner to manage your health insurance through one convenient policy.
What to consider before purchasing a Couples policy:
Combined or separate policies: Couples policies are a great way to cover both of you together under one policy and are often more cost-effective than two separate Singles policies.
Hospital needs: Discuss your potential hospital needs as a couple and choose a policy that offers a range of services that benefit both of you.
Extras cover: Think about your combined needs for out-of-hospital services. Do you have preferred providers? Make sure they're part of the insurer's network before selecting your Extras cover. Our Find a Provider tool can help you check if they’re part of nib's network of healthcare professionals.1
Family health insurance
Family health insurance provides cover for you, your partner and children, all under one convenient policy. From unexpected emergencies to planned treatments, you'll have support when you need it most.
What to consider before purchasing a Family policy:
Hospital cover: Select a level of Hospital cover that best suits your family's unique needs. This will ensure everyone is cared for when it matters most.
Extras cover: Save money on out-of-hospital services that you are most likely already using, such as dental check-ups and optical care.
Family discounts: It's important to choose a cover that fits your family's budget while ensuring you're covered for the things that you need. Family policies are a great way to cover everyone under one policy and are often more cost-effective than separate policies.
Single parent health insurance
Single parent health insurance provides cover for you and your children, offering peace of mind and access to quality healthcare when you need it most.
Hospital cover: Select a level of hospital cover that provides the right level of protection for you and your children, with the flexibility to adapt as your needs change.
Extras cover: Think about your family's combined needs for out-of-hospital services, such as dental, optical, and physiotherapy. Explore Extras cover that supports your family's wellbeing.
Budget: Finding the right cover that fits your budget is important while making sure you and your children have the protection you need. A single parent policy can be a cost-effective way to keep you all covered under one plan.
Finding the right cover for you
At Qantas Health Insurance, we understand that no two people’s needs are the same. That’s why we offer a great range of Hospital and Extras cover options. Plus, you’ll earn Qantas Points for joining, paying your premium and via the Qantas Wellbeing App.2 You could use your points on a range of flights, upgrades, hotel stays and more. Get closer to your next holiday with Qantas Health Insurance.
Need help deciding which cover is right for you? Call our Qantas Health Insurance experts on 13 49 60 Monday to Friday, 9am - 7pm. They’ll be happy to chat through options with you and help you get the best cover to suit your needs and budget. Alternatively, click here to get a quick Qantas Health Insurance quote today.
Disclaimers
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. The above general information is not personal advice and individuals should consider their personal circumstances and consult an expert before making any decisions.
1. nib First Choice providers offer competitive fees for many commonly claimed treatments and consultations. These fees are reviewed at least annually and are subject to change. Always check if your provider is part of nib's network before booking as this may change from time to time. You can check through the Find a Provider tool at https://insurance.qantas.com/find-a-provider, or by asking your provider at the time of booking. Annual limits, waiting periods and T&Cs apply.
2. Qantas Frequent Flyer (QFF) members who purchase a Qantas Health Insurance policy have the ability to earn Qantas Points on sign-up, for every dollar spent on premium, and for tracking activity in the Qantas Wellbeing App. Qantas Points are awarded to the primary policyholder based on the offer terms at the time of purchase, and are available only if the policy is bought through the Qantas website or call centre. Sign-on points are not available to customers who have held a Qantas Health Insurance policy in the previous 12 months; or who have held a health insurance policy with nib, AAMI Health Insurance, Apia Health Insurance, GU Health, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance or Seniors Health Insurance at any time in the previous 6 months.
