Qantas Health Insurance

How to claim on your health insurance

Hospital claims

Find out how to use your health cover if you or a family member needs to go to hospital.
1

Check your cover

Before going to hospital, we recommend you check:
  • the procedure is covered
  • any waiting periods that apply to the procedure have been served, and
  • if an excess is payable.
2

Choose your specialist & hospital

Qantas Health Insurance offers the flexibility to choose your own specialist and hospital, as long as the specialist's professional qualifications are recognised by nib.1

To help our members keep out-of-pocket costs down, our partner, nib has relationships with selected providers and you can use the Find a Provider tool to search:

  • specialists in your area who participate in the nib MediGap scheme or have a no gap agreement with nib, and
  • private hospitals that have agreements with nib, known as nib Agreement Private Hospitals.
If the specialist or hospital you choose does not have an agreement with nib then you may incur additional costs. Call us on 13 49 60 if you’re unsure and we can let you know your options.
3

Make a claim

Claim managed directly
You generally won’t receive a hospital 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.
Claim online
If you do receive a hospital bill and you’re covered for the procedure you can make a claim online via the self-service portal. Call us on 13 49 60 and we can talk you through the process.
Remember to check and make sure we have your correct bank account details, you can also do this via the self-service portal.

Read our FAQs

Extras claims

Find out how to get the most out of your Extras cover.
1

Check your cover

Self-service portal

You can use the self-service portal to check:

  • services that are covered,
  • if any waiting periods still apply, and
  • remaining limits for any services.

Icon for wellbeing app
Qantas Wellbeing App

You can also use the Qantas Wellbeing App to check:

  • services that are covered, and
  • remaining limits for any services.
2

Choose your provider

Qantas Health Insurance offers the flexibility to choose your own healthcare professionals, as long as their qualifications are recognised by nib.1 You can get 60%, 65% or 75% back on Extras up to your annual limit, depending on your level of cover, once you’ve served your waiting periods.
Plus, to keep out-of-pocket costs down, our partner, nib has relationships with a network of dentists, optometrists and physiotherapists, some even offer no-gap services. Search the Find a Provider tool to find one in your area.
3

Make a claim

There are two ways you can claim.

Tap & claim
Tap your Qantas Health Insurance card at any provider with HICAPS and just pay the difference between the total cost and the benefit we pay.
Claim online
Pay upfront and submit a claim via:
  • Qantas Wellbeing App: Select the Insurance tab and follow the prompts to make a claim. Simply take a photo of your relevant documents (such as receipts) and upload it into the App to support your claim.
  • Self-Service Portal: Sign-in to the self-service portal with your Qantas Frequent Flyer number, last name and PIN to submit a claim online.
Remember to check and make sure we have your correct bank account details, you can also do this via the self-service portal.

Read our FAQs or Call 13 49 60

Find a Provider

Looking for a healthcare provider?
Search our partner, nib’s Find a Provider tool to access a network of healthcare professionals and practices, from hospitals, surgeons, dentists and more. By choosing to see a provider in nib’s network you get access to quality care and services at competitive rates.
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.

1 Provider must have professional qualifications recognised by nib. There are thousands of Extras providers across Australia in nib’s First Choice Network who offer services at a reduced rate for our members.