Waiting periods recognised
Waiting periods already served for comparable services will be recognised
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Find the right health insurance for you
You’re single
Young and single? Older and flying solo? Cover yourself so you have more freedom to explore and live life to the full.
You’re a couple
Young couples, those thinking of kids, and older couples with differing needs can easily combine their cover.
You’re a family
Cover your family as they grow from newborns into early childhood, through school, teenage years and beyond.
You’re a single parent
Parenting and single? You'll discover cover for you and your kids from little bubs to teens and everything in between.
The only health insurance that comes with Qantas Points
Earn Qantas Points you can put towards your next holiday, upgrades and more.
Earn up to 200,000 Qantas Points for joining by 30 June. Points will be awarded based on your level of cover over 15 months. Eligibility criteria and T&Cs apply.
Earn 1 Qantas Point per $1 spent on your premium every month.
You could earn 12,000 Qantas Points in a year with the Qantas Wellbeing App by walking 10,000 steps each day and regularly reaching your sleep goals.
Why join or switch to Qantas Health Insurance
No Gap dental and optical offers
Get 100% back on preventative dental check-ups and with select optical providers
No surprises
Get 60%, 65% or 75% back on most Extras up to your annual limit when you claim
Minimal paperwork
Most of the paperwork will be taken care of for you, so you don’t have to worry
Claim online
Claim on the go for most Extras either online or via the Qantas Wellbeing App
What is health insurance?
Private health insurance has two parts – Hospital and Extras cover. They can help you avoid lengthy wait times for public hospitals, help offset the costs of health care services not covered by Medicare, and allow you to choose your doctor.
What is Hospital cover?
Hospital cover helps pay the often high costs of in-hospital services such as surgery, anaesthesia, private rooms and theatre fees, and will vary according to the level of cover you choose, your service provider, and the procedure involved.
What is Extras cover?
Extras cover helps pay for things that are ‘extra’ to in-hospital services – and not covered by Medicare. Purchased separately or together with Hospital cover, an Extras policy covers health care services like dental, physio and optical.
Helping you understand health insurance...
All Australian residents pay a contribution towards the cost of running Medicare, our national health care system. It’s called the Medicare Levy and is paid in addition to the base tax you pay on your taxable income.
The Medicare Levy Surcharge (MLS) is a tax paid in addition to the Medicare Levy if you don’t have private hospital cover and your income is above a certain threshold. Its aim is to encourage individuals to take out private hospital cover to reduce demand on the public system.
You won’t pay the MLS if…
You have an appropriate amount of Hospital cover (defined as Hospital cover with an excess of $750 or less for singles, or $1,500 or less for couples and families).
If your annual taxable income is less than $101,000, or $202,000 for a couple.
If you don’t have private hospital cover, you may need to pay the MLS if your income is above the following thresholds:
Income Thresholds from 1 July 2025 Surcharge 0% 1% 1.25% 1.5% Singles $101,000 or less $101,001 - $118,000 $118,001 - $158,000 $158,001 or more Couples/ Families/ Single parents* $202,00 or less $202,001 - $236,000 $236,001 - $316,000 $316,001 or more Please note: If you have two or more children, the family income threshold is increased by $1,500 for every dependant child after the first child.
Source: www.ato.gov.au. Accurate as at 1 April 2026. The ATO may change the income tiers applicable from time to time and you can find up to date information here.
*Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.
All Australian residents pay a contribution towards the cost of running Medicare, our national health care system. It’s called the Medicare Levy and is paid in addition to the base tax you pay on your taxable income.
The Medicare Levy Surcharge (MLS) is a tax paid in addition to the Medicare Levy if you don’t have private hospital cover and your income is above a certain threshold. Its aim is to encourage individuals to take out private hospital cover to reduce demand on the public system.
You won’t pay the MLS if…
You have an appropriate amount of Hospital cover (defined as Hospital cover with an excess of $750 or less for singles, or $1,500 or less for couples and families).
If your annual taxable income is less than $101,000, or $202,000 for a couple.
If you don’t have private hospital cover, you may need to pay the MLS if your income is above the following thresholds:
Income Thresholds from 1 July 2025 Surcharge 0% 1% 1.25% 1.5% Singles $101,000 or less $101,001 - $118,000 $118,001 - $158,000 $158,001 or more Couples/ Families/ Single parents* $202,00 or less $202,001 - $236,000 $236,001 - $316,000 $316,001 or more Please note: If you have two or more children, the family income threshold is increased by $1,500 for every dependant child after the first child.
Source: www.ato.gov.au. Accurate as at 1 April 2026. The ATO may change the income tiers applicable from time to time and you can find up to date information here.
*Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.
The Qantas Insurance Points Blitz is back, and it’s bigger than ever
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. Qantas Insurance Points Blitz ends 30 June 2026. T&Cs and eligibility criteria apply.
The Qantas Wellbeing App
Set Challenges
Challenge yourself, or invite a friend and challenge them.
Choose an activity
Walk, cycle or swim. Set your goal and start moving.
Partner discounts
Exclusive offers and discounts from our Wellbeing Partners.
Understand your health
Complete the health assessments to learn more about your health.
Switch to Qantas Health Insurance and earn Qantas Points
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.