Health Insurance
The Basics
What is private health insurance?
What is Hospital cover?
What is Extras cover?
Where can I find information about the Australian Government Rebate on health insurance?
Where can I find information about Lifetime Health Cover?
Where can I find information about the Medicare Levy Surcharge?
What are Waiting Periods?
What is a pre-existing condition?
What is an excess?
What is an out-of-pocket expense?
Buying Health Insurance
Up to what age will my children be covered under my policy?
How do I join Qantas Health Insurance?
What payment options are available?
I’m currently under my parent’s policy, when will I need to get my own?
Will I have to serve waiting periods again if I am switching from another health fund?
When will I receive my membership card?
Is there a cooling off period for Qantas Health Insurance?
Managing my Policy
How do I update my details online?
How can I change who is covered on my membership?
What should I do if my Qantas Insurance card is lost or stolen?
Can my partner also make changes to our policy?
Can I suspend my policy if I’m going overseas?
Can I suspend my policy?
How do I change my level of cover?
How do I add my newborn to my policy?
Making a Claim
How do I make a claim?
How do I know if a waiting period still applies for a hospital or extras service?
How do I find out the remaining amount left to claim on my Extras services for the year?
Earning Qantas Points
How many Qantas Points will I earn for joining?
I haven’t received my Qantas Points for joining health insurance?
How many Qantas Points will I earn each year with my health policy?
How many Qantas Points will I earn with the Qantas Wellbeing App?
What is the Active Kids Program benefit?
What is the health insurance referral bonus?
Complaints
How do I resolve a complaint or dispute?
What information do I need to provide when I lodge a complaint?
Under 30’s Discount
What % discount will I get with the age-based discount?
If I switch health funds, will my age-based discount apply from my previous health fund?
Does my discount apply to Hospital and Extras cover?
I’m already a member - do I get the discount?
What happens if we have a Couples policy?
What if I get an aged-based discount but my partner has a lifetime health cover loading (LHC)?
Tax Time
When will I receive a copy of my FY20 Private Health Insurance Statement?
What do I have to do when lodging my tax return?
What does my Private Health Insurance Statement include?
How can I find a copy of my Private Health Insurance Statement?
What do I do if my Private Health Insurance Statement is incorrect?
What if I didn’t have Hospital cover for the full year?
Will I receive a Lifetime Health Cover Statement at tax time?
How can I contact the Australian Taxation Office?
Flood Disaster Relief package 2022
About the Flood Disaster Relief package
What is the Flood Disaster Relief package?
Am I eligible for the Flood Disaster Relief Package?
When can I apply for the Flood Relief Package?
If I‘ve received a previous disaster relief premium waiver with Qantas Health Insurance, am I still eligible to receive the flood relief waiver?
Maximum age of dependants reform
What age of dependant changes has the Australian Government introduced to private health insurance?
When will the changes take effect?
What do I need to do to remain as an eligible non-student dependant under my family policy?
What do I need to do to add a new non-student dependant to my policy?
Why haven’t I been contacted about the changes?
Will premium prices increase as a result of the changes?
I am a student dependant studying full-time, am I eligible to stay on my family’s policy up until the age of 31?
Can I stay on my family’s policy after the age of 25 once I’ve completed my full-time studies?
When will the age limit be removed for dependants with a disability in line with the legislation introduced by the Government?
Can I still receive an aged-based discount if I’m a dependant?
COVID-19 Cash Give Back
Is Qantas Health Insurance giving back further COVID-19 savings to members?
How much will members receive?
Who is eligible for the COVID cash give back?
Why is Qantas Health Insurance providing a COVID cash give back while increasing my premiums?
What do members need to do to get the payment?
What if you don’t have my bank account details?
When will it land in my bank account?
I’d rather not have a premium increase than receive a giveback payment. Is that possible?
Why are other funds doing much larger cash back offers?
Is this part of the same COVID cash give back provided last year?
How did you decide how much money each policyholder would get?
Has some of the money saved been retained because claims were lower?
COVID-19 Pandemic (updated March 2023)
When is the COVID-19 support package ending?
Is Qantas Health Insurance extending telehealth benefits indefinitely?
Am I eligible to claim for telehealth benefits?
What services are covered under telehealth?
Does my health insurance cover doctors’ appointments?
Am I covered for pathology tests for COVID-19?
Will COVID-19 be considered a pre-existing condition?
If my planned public hospital procedure needs to be moved to a private hospital, will I be covered?
I have a procedure coming up, what should I do?
2022 Health insurance premiums (Updated October 2022)
Why is Qantas Health Insurance increasing its premiums?
Who determines when, and by how much, premiums change?
When will the price change come into effect?
What is driving the increase in premiums?
Why are some product premiums increasing more than others?
When will members be notified of the changes?
Are other health funds increasing their premiums?
Why should I keep my private health insurance cover?
I’m struggling financially, is Qantas Health Insurance offering any additional financial support?
What is Qantas Health Insurance doing to help reduce out-of-pocket expenses?
I paid my premium for the year in advance to avoid the premium changes. Do I need to pay an additional amount?
If I make a payment for premiums due prior to 1 November 2022 will I need to pay the higher premium price?
When is the last date I can make a pre-payment to avoid the premium increase?
What if I have any questions?
2023 Health insurance premiums
2023 Rate changes - Things you need to know
Is my health insurance premium increasing in April 2023?
What does the delay in increasing premiums mean for members?
Does the premium postponement apply to all members?
Will members be notified of the changes?
When will my premiums increase again?
Why isn’t the premium increase being waived altogether?
Why should I keep my private health insurance?
What if I have any questions?
Car Insurance
The Basics
What types of car insurance does Qantas offer?
What’s covered under Comprehensive car insurance?
Which car insurance is compulsory to have?
What's the difference between Third Party Property and Compulsory Third Party (CTP) insurance?
Would Third Party Property, Fire and Theft Insurance cover attempted theft-related damage to my car or personal items stolen from my car?
What is a car insurance excess?
When do I need to pay an excess?
When do I not need to pay an excess?
What is a No Claim Discount?
What is a ‘no fault’ accident?
What is a Target Market Determination (TMD)?
What is “Your duty not to make a misrepresentation”?
Making a claim
I’ve had an accident - what do I do now?
Does Qantas Insurance guarantee the repairs?
My car is a write-off. What happens now?
Do you offer support for paying a car insurance excess?
Managing your Car Insurance policy
Managing your Qantas Car Insurance policy
I’m selling/trading in my car and buying another - can I transfer my insurance to my new car?
How do I set up an online account?
What changes can I make to my car insurance?
Do you subscribe to an industry code?
What if I want to make a complaint?
How can I get help contacting Qantas Car Insurance?
Can you offer assistance if I am experiencing vulnerability or hardship?
Home Insurance
The Basics
What types of home insurance does Qantas Insurance offer?
What does home insurance cover?
What does contents insurance cover?
What optional extras are available with Qantas Home Insurance?
Does home insurance cover storm damage?
Does home insurance cover leaks?
Does home insurance cover termite damage?
Does home insurance cover theft?
Does home insurance cover theft while travelling?
Does home insurance cover breakage?
Does home insurance cover mobile phones?
What is Landlord Insurance?
Does Landlord Insurance cover unpaid rent?
How much does Landlord Insurance cost?
What is an excess?
When do I pay an excess?
What is a Target Market Determination?
What is "Your duty not to make a misrepresentation"?
Buying Home Insurance
Should I get home insurance?
How much is home insurance?
Does Qantas Home Insurance have a cooling-off period?
I’m selling my house - what do I need to do with my insurance?
Can home insurance be transferred to another home?
I’m building a house, so when should I get home insurance?
Do I need to list, or specify, home contents on my policy?
What if the amount I insure my home for is too low?
When does my home insurance take effect?
Making a claim
Excesses
Can I pay my excess later?
What if I can’t afford to pay the excess?
Do I have to pay an excess when I was not at fault?
What is my excess for a claim if I have Landlord Options covers?
Can I change my home insurance excess?
Before you lodge a claim
How do I make a home insurance claim?
What happens in an emergency?
Am I covered for emergency repairs?
What should I do with my flood-affected contents and carpet?
Will COVID-19 impact my claim?
A water pipe in my home has burst – what do I do?
My home has been burgled – what do I do?
A tree has fallen on my house – what do I do?
Is water damage covered?
Am I covered for flood?
Am I covered for trees falling?
What is not covered by my home insurance policy?
How do I know if it’s worth making a claim?
If I make a claim will my premium increase?
Is there a time limit for making a home insurance claim?
Claims Lodgement
What if I have a question about my claim?
How do I send you the documents supporting my claim?
Am I required to provide proof of loss or damage (e.g., receipts)?
What documents do I need to supply if I’m claiming for the landlord benefit on loss of rent after an insured event?
What documents do I need to supply if I’m claiming for optional landlord covers?
Do I need to supply a police or fire brigade report?
How long will my claim take?
Why are you asking me about GST?
Why are you asking me about my ABN?
Could my claim be declined?
Claims assessment, settlement, repairs etc.
What happens in an assessment?
How long does a home claim assessment take?
What if I can’t stay at home?
What are exploratory costs?
What is a leak detection test?
What happens after the assessment?
Can I throw out damaged items?
How long do home insurance repairs take?
Will my storage costs be covered while my home is being repaired?
How do you decide whether to repair or replace damaged contents?
Can I get a home insurance cash payout instead of repair or replacement?
Who will be my main point of contact during the repairs to my home?
Does Qantas Home Insurance guarantee the repairs?
Who will repair my home?
Can I use my own repairer?
Can I choose who replaces my damaged contents?
If only part of a room is damaged, can you ensure that the replacement materials will match the undamaged part?
What is the Scope of Works?
Why am I getting a contract that I need to sign?
How will my home insurance claim be settled?
Are home insurance claim payouts taxable?
How do I complain about the decision to deny my home insurance claim?
Why is home maintenance not covered?
Managing your Home Insurance policy
How can I see and change my home insurance policy details?
Can I change my home insurance at any time?
Does my home insurance renew automatically?
If I cancel my home insurance, will I have to pay a fee?
Can I cancel my home insurance policy and get a refund?
What if I want to make a complaint?
Can you offer assistance if I am experiencing vulnerability or hardship?
Do you subscribe to an industry code?
How can I get help contacting Qantas Home Insurance?
Travel Insurance
Purchasing
Why should I consider travel insurance?
How do I purchase Qantas Travel Insurance?
Can I book travel insurance online?
Will I be covered for an existing medical condition?
Can I buy Qantas Travel Insurance even though my trip has already started?
Your Policy
Which Product Disclosure Statement (PDS) relates to my policy?
How do I amend my Travel Insurance policy?
I’ve changed the dates for my flights, will my travel insurance details update automatically?
How do I cancel my Travel Insurance policy?
I’m currently stuck overseas and can’t return home as planned. Can I extend my policy dates to cover me if it runs out while I’m still overseas (or buy a new policy)?
What are my options if I'm unable to use my insurance policy due to coronavirus related travel restrictions?
Claiming
How do I make a Qantas Travel Insurance claim?
Do you accept a positive RAT test as evidence for a claim?
Help while travelling
Travelling when warnings are in place
If the government issues a ‘Do no travel’ warning for coronavirus in my destination and I choose to go there anyway, will I have cover for coronavirus-related expenses?
If the government issues a ‘Do not travel’ warning for my destination while I’m there, will I have cover for coronavirus-related expenses?
Complaints
Help
Coronavirus
Is coronavirus cover available on all plans and what are the benefits?
What’s covered under the Coronavirus Travel Costs benefit?
If I have contracted COVID-19 at any stage before purchasing a policy, must this be declared as an existing medical condition?
What do I do if I test positive to COVID-19 before I'm due to travel?
How do I prepare myself for a possible COVID-19 diagnosis whilst travelling?
What do I do if I get coronavirus on my trip?
If I need medical treatment overseas for coronavirus, will you only pay up to the limit for Coronavirus Travel Costs?
Coronavirus medical expenses
If I get sick with coronavirus on my trip, will my medical expenses be covered?
I’ve had coronavirus before. Am I covered if I experience new symptoms while travelling?
Coronavirus trip cancellation or changes
If I get coronavirus and have to cancel or change my trip, will my costs be covered?
If I have to cancel or change my trip because my travel companion gets coronavirus, will my costs be covered?
Do I need medical proof of my positive COVID-19 result if I need to cancel my trip?
If I cancel or change my trip because I'm worried about getting coronavirus, will my costs be covered?
If I have to cancel or change my trip due to a travel restriction (e.g. a border closure), will my costs be covered?
If the government issues a 'Do not travel' warning for my destination and I cancel or change my trip, will my costs be covered?
What if my PCR test hasn’t come back in time, and I’m denied boarding for my flight or need to cancel my trip, is there any provision to claim in the policy?
Coronavirus quarantine costs
Coronavirus vaccinations
Does Qantas Travel Insurance require all travellers to be vaccinated for COVID-19?
Will you cover me if I'm not vaccinated?
Will you cover me if I am unable to be vaccinated for medical reasons?
What if I purchase a policy and then I’m unable to travel because I’m not vaccinated, will you provide a refund for the policy?
Life Insurance
Buying a Qantas Life Insurance policy
Managing a policy
Managing your existing Qantas Life Insurance policy
Can I cancel my policy if I no longer need it?
Will I earn Qantas Points with my Qantas Life Insurance policy?
Making a claim
How do I make a claim?
How does Bundled Cover work when I make a claim?
What happens in the event both my partner and I pass away and they're my beneficiary?
Complaints
Code of Practice
Help
Is there assistance with transport to Medical Appointments from rural or regional locations?
What if I’m having difficulty meeting timelines or getting identification documents?
How do I access translation services?
How do I access the National Relay Service?
What can I do if I’m suffering financial hardship and am having trouble paying my premium?
Need more information?
Wellbeing
Getting Started
How do I download the Qantas Wellbeing App?
How do I log in?
What if I’ve forgotten my Qantas Frequent Flyer PIN?
What if I’ve forgotten my Qantas Frequent Flyer membership number?
Which phones are compatible with the Qantas Wellbeing App?
How do I upload a profile picture?
How do I remove a profile picture I have uploaded?
Who can see my profile picture?
How can I invite people to be my friend within the App?
Can the Qantas Wellbeing App be used by vision-impaired members?
Do my Qantas Wellbeing App friends need to be members of Qantas Insurance?
Fix Syncing Issues
How do I fix Apple Health or Apple Watch syncing?
How do I fix Samsung Health syncing?
How do I fix Garmin syncing?
How do I fix Fitbit syncing?
How do I fix Google Fit syncing?
How do I fix Strava syncing?
Tracking Your Activities
What is an activity?
What’s the most effective way to track my activities?
How do I change my activity for the Daily or Weekly challenge?
At what time and how often do my step counts reset?
How do I track swimming?
Do I need a wearable?
Does the Qantas Wellbeing App connect to Bluetooth devices?
How can I ensure Apple’s Health App is connected to the Qantas Wellbeing App?
I forgot to sync my App or device with the Qantas Wellbeing App. Will I lose points?
Why isn't my Garmin data showing in the App?
How do I connect my Fitbit to the Qantas Wellbeing App?
How do I disconnect Fitbit from the Qantas Wellbeing App?
How do I change or add a new Fitbit?
How do I enable swimming on Fitbit?
Are all Fitbit devices compatible with the Qantas Wellbeing App?
Can my partner and I link both our Fitbits to the same Qantas Wellbeing App?
Why are the steps I see on my Fitbit device different to the steps in my Qantas Wellbeing App?
How can I ensure the Google Fit App is connected to the Qantas Wellbeing App?
How do I disconnect Strava from the Qantas Wellbeing App?
How can I ensure Strava is connected to the Qantas Wellbeing App?
What other apps and devices can I use with the Qantas Wellbeing App?
Can I use Garmin to track my activity?
Why is my device is not syncing with the Qantas Wellbeing App?
Can I have more than one device synced to the same Qantas Wellbeing App?
Challenges and Badges
When do challenges start and end?
How do I change my daily or weekly goals?
What is the Friends Challenge?
Why do my friends only have until midnight (AEST) to join my Friends Challenge?
What happens if there is a tie?
I started a Friends Challenge but it was terminated - why is this?
How often and when can I change my goals?
Can I be in more than one Friends Challenge?
What is the 7 Day Leaderboard?
What period does the 7 Day Leaderboard cover?
Why does it take up to 12 hours for the Friends Challenge results to be finalised?
Can I leave a Friends Challenge once it's started?
How do I earn badges?
What is the Master of Rings challenge?
Car Check-ups
What do I enter into the App to complete the tyre pressure check?
How can I check the pressure of my tyres?
How many points can I earn with the Tyre Pressure Check?
How can I change my service reminder?
Why didn’t I receive a reminder to service my vehicle?
How many points can I earn with the Service Check?
Sleep Health Challenge
How do I succeed the sleep health challenge?
How many points can I earn through the sleep health challenge?
What happens if I move or use my phone before my set wake time?
What happens if I don’t enable Motion Tracking or Usage Tracking in the Sleep Health Challenge?
Why didn’t I receive a phone down reminder?
Can I see a results history for my sleep health challenge?
Why can’t I make my bedtime less than 6 hours?
Can I set a different bedtime for different days of the week?
How can I change my bedtime and phone down reminder settings?
How does the “Delay Bedtime by 30 mins” button work?
Points Multipliers
How do I know if a Challenge or Activity is excluded from the Multiplier?
What is the Multiplier?
How do I qualify for the Multiplier?
28 Day Trial
What is the 28-Day Trial?
What happens when the 28-Day Trial ends?
Do I get to keep the Qantas Points I earned during the Trial?
When does my 28-Day Trial start?
Your Qantas Points
How do I claim the Active Kids Program benefit in the Wellbeing App?
When will the Qantas Points I have earned from the Qantas Wellbeing App be credited to my Qantas Frequent Flyer Account?
Why does my points total in the App look different to the points shown in my Qantas Frequent Flyer account?
Support / Feedback
How do I report a profile picture?
How do I receive support or give feedback about the Qantas Wellbeing App?
I downloaded the App but have since deleted it, yet friends can still see me in the App. How can I be removed?
How do I request for a deceased member and their data to be removed from the Qantas Wellbeing App?
How can I delete my Wellbeing App data?
Technical
What happens if I change time-zones?
What happens if my phone is not connected to the internet?
My Qantas Wellbeing App doesn't notify me of friend requests, badges or challenges. How can I fix it?
When I log in to the Qantas Wellbeing App, it displays the message "There is an issue granting access to your account". What's going on?
Contact Us
General Insurance
All Categories > Health Insurance > 2022 Health insurance premiums (Updated October 2022) > If I make a payment for premiums due prior to 1 November 2022 will I need to pay the higher premium price?
If I make a payment for premiums due prior to 1 November 2022 will I need to pay the higher premium price?
No. You will be charged the previous premium price for the number of days you are in arrears prior to 1 November. The new premium price will only apply from 1 November 2022.
For example:
Zoe has paid up to 1 October 2022. Her monthly premium is $90. From 1 November 2022 Zoe's monthly premium amount will increase to $100.
On 1 November 2022 Zoe calls to pay her October premium (“arrears”), and pay one month in advance. Zoe will need to pay $90 for October, and $100 for November: Zoes pays $190 ($90 + $100).
Remember, the Australian Government private health insurance rebate percentage a member is entitled to claim is determined by the date a payment is made.